The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,207
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,463
−HK$259/mo
Today · 4.125%
HK$8,722
baseline
▲ 0.50% · 4.625%
HK$9,253
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,444/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,131
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,375
−HK$249/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,131
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,248/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,849
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,155
−HK$311/mo
Today · 4.125%
HK$10,466
baseline
▲ 0.50% · 4.625%
HK$11,103
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,932/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,957
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,251
−HK$298/mo
Today · 4.125%
HK$11,549
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,098/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,490
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,848
−HK$363/mo
Today · 4.125%
HK$12,211
baseline
▲ 0.50% · 4.625%
HK$12,954
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,422/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,783
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,126
−HK$347/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,184
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,946/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,773
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,233
−HK$467/mo
Today · 4.125%
HK$15,700
baseline
▲ 0.50% · 4.625%
HK$16,655
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,400/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,435
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,876
−HK$447/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,236
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,646/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).