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$8,196
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,451
−HK$259/mo
Today · 4.125%
HK$8,710
baseline
▲ 0.50% · 4.625%
HK$9,240
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,420/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$9,118
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$248/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,117
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,220/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$9,835
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,141
−HK$311/mo
Today · 4.125%
HK$10,452
baseline
▲ 0.50% · 4.625%
HK$11,088
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,904/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$10,941
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$297/mo
Today · 4.125%
HK$11,532
baseline
▲ 0.50% · 4.625%
HK$12,140
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,064/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$11,474
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,831
−HK$363/mo
Today · 4.125%
HK$12,194
baseline
▲ 0.50% · 4.625%
HK$12,936
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,388/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$12,765
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,107
−HK$347/mo
Today · 4.125%
HK$13,454
baseline
▲ 0.50% · 4.625%
HK$14,164
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,908/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$14,752
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,211
−HK$466/mo
Today · 4.125%
HK$15,677
baseline
▲ 0.50% · 4.625%
HK$16,631
+HK$954/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,354/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$16,412
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,852
−HK$447/mo
Today · 4.125%
HK$17,299
baseline
▲ 0.50% · 4.625%
HK$18,210
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,598/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).