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$8,192
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,447
−HK$258/mo
Today · 4.125%
HK$8,705
baseline
▲ 0.50% · 4.625%
HK$9,235
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,410/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$9,113
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,358
−HK$248/mo
Today · 4.125%
HK$9,606
baseline
▲ 0.50% · 4.625%
HK$10,112
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,212/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$9,830
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$311/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$11,082
+HK$635/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,894/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$10,936
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$298/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$607/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,054/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$11,468
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,825
−HK$363/mo
Today · 4.125%
HK$12,188
baseline
▲ 0.50% · 4.625%
HK$12,929
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,376/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$12,759
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,101
−HK$347/mo
Today · 4.125%
HK$13,448
baseline
▲ 0.50% · 4.625%
HK$14,157
+HK$709/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,896/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$14,745
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,204
−HK$466/mo
Today · 4.125%
HK$15,670
baseline
▲ 0.50% · 4.625%
HK$16,623
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,340/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,404
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,844
−HK$446/mo
Today · 4.125%
HK$17,290
baseline
▲ 0.50% · 4.625%
HK$18,201
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,580/mo (50% DSR)
Upfront cash ≈ HK$359K (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).