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$8,219
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,475
−HK$260/mo
Today · 4.125%
HK$8,735
baseline
▲ 0.50% · 4.625%
HK$9,266
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,470/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$9,144
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,389
−HK$249/mo
Today · 4.125%
HK$9,638
baseline
▲ 0.50% · 4.625%
HK$10,146
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,276/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$9,863
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,170
−HK$312/mo
Today · 4.125%
HK$10,482
baseline
▲ 0.50% · 4.625%
HK$11,119
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,964/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$10,973
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,267
−HK$298/mo
Today · 4.125%
HK$11,565
baseline
▲ 0.50% · 4.625%
HK$12,175
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,130/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$11,507
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$363/mo
Today · 4.125%
HK$12,228
baseline
▲ 0.50% · 4.625%
HK$12,973
+HK$745/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,456/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$12,801
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,145
−HK$348/mo
Today · 4.125%
HK$13,493
baseline
▲ 0.50% · 4.625%
HK$14,204
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,986/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$14,795
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,255
−HK$467/mo
Today · 4.125%
HK$15,722
baseline
▲ 0.50% · 4.625%
HK$16,679
+HK$957/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,444/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$16,459
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$448/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,262
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,696/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).