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$8,226
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,482
−HK$260/mo
Today · 4.125%
HK$8,742
baseline
▲ 0.50% · 4.625%
HK$9,274
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,484/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$9,152
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,397
−HK$249/mo
Today · 4.125%
HK$9,646
baseline
▲ 0.50% · 4.625%
HK$10,155
+HK$509/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,292/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$9,872
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$312/mo
Today · 4.125%
HK$10,491
baseline
▲ 0.50% · 4.625%
HK$11,129
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,982/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$10,982
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$298/mo
Today · 4.125%
HK$11,575
baseline
▲ 0.50% · 4.625%
HK$12,186
+HK$611/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,150/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$11,517
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,875
−HK$364/mo
Today · 4.125%
HK$12,239
baseline
▲ 0.50% · 4.625%
HK$12,984
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,478/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$12,812
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,156
−HK$349/mo
Today · 4.125%
HK$13,505
baseline
▲ 0.50% · 4.625%
HK$14,216
+HK$711/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,010/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$14,807
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,268
−HK$468/mo
Today · 4.125%
HK$15,736
baseline
▲ 0.50% · 4.625%
HK$16,693
+HK$957/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,472/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$16,473
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,915
−HK$448/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,278
+HK$915/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,726/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).