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$8,204
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,459
−HK$259/mo
Today · 4.125%
HK$8,718
baseline
▲ 0.50% · 4.625%
HK$9,249
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,436/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$9,127
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,371
−HK$249/mo
Today · 4.125%
HK$9,620
baseline
▲ 0.50% · 4.625%
HK$10,127
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,240/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$9,845
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,151
−HK$311/mo
Today · 4.125%
HK$10,462
baseline
▲ 0.50% · 4.625%
HK$11,099
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,924/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$10,952
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,246
−HK$298/mo
Today · 4.125%
HK$11,544
baseline
▲ 0.50% · 4.625%
HK$12,152
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,088/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$11,485
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,843
−HK$363/mo
Today · 4.125%
HK$12,206
baseline
▲ 0.50% · 4.625%
HK$12,948
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,412/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$12,777
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,120
−HK$348/mo
Today · 4.125%
HK$13,468
baseline
▲ 0.50% · 4.625%
HK$14,178
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,936/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$14,767
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,226
−HK$467/mo
Today · 4.125%
HK$15,693
baseline
▲ 0.50% · 4.625%
HK$16,648
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,386/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$16,428
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$447/mo
Today · 4.125%
HK$17,316
baseline
▲ 0.50% · 4.625%
HK$18,228
+HK$912/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,632/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).