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$8,229
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,485
−HK$260/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,277
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,490/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$9,155
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,401
−HK$249/mo
Today · 4.125%
HK$9,650
baseline
▲ 0.50% · 4.625%
HK$10,158
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,300/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$9,875
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,182
−HK$312/mo
Today · 4.125%
HK$10,494
baseline
▲ 0.50% · 4.625%
HK$11,133
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$20,988/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$10,986
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,281
−HK$299/mo
Today · 4.125%
HK$11,580
baseline
▲ 0.50% · 4.625%
HK$12,190
+HK$610/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,160/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$11,521
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,879
−HK$364/mo
Today · 4.125%
HK$12,243
baseline
▲ 0.50% · 4.625%
HK$12,988
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,486/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$12,817
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$348/mo
Today · 4.125%
HK$13,509
baseline
▲ 0.50% · 4.625%
HK$14,222
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,018/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$14,813
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,273
−HK$469/mo
Today · 4.125%
HK$15,742
baseline
▲ 0.50% · 4.625%
HK$16,699
+HK$957/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,484/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,479
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,921
−HK$448/mo
Today · 4.125%
HK$17,369
baseline
▲ 0.50% · 4.625%
HK$18,285
+HK$916/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,738/mo (50% DSR)
Upfront cash ≈ HK$361K (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).