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$8,214
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,470
−HK$259/mo
Today · 4.125%
HK$8,729
baseline
▲ 0.50% · 4.625%
HK$9,260
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,458/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$9,138
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$249/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,139
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,264/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$9,857
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,163
−HK$312/mo
Today · 4.125%
HK$10,475
baseline
▲ 0.50% · 4.625%
HK$11,112
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,950/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$10,966
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,260
−HK$298/mo
Today · 4.125%
HK$11,558
baseline
▲ 0.50% · 4.625%
HK$12,167
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,116/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$11,500
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,857
−HK$364/mo
Today · 4.125%
HK$12,221
baseline
▲ 0.50% · 4.625%
HK$12,964
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,442/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$12,793
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,136
−HK$348/mo
Today · 4.125%
HK$13,484
baseline
▲ 0.50% · 4.625%
HK$14,195
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,968/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$14,785
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,245
−HK$467/mo
Today · 4.125%
HK$15,712
baseline
▲ 0.50% · 4.625%
HK$16,669
+HK$957/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,424/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$16,448
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,890
−HK$447/mo
Today · 4.125%
HK$17,337
baseline
▲ 0.50% · 4.625%
HK$18,251
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,674/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).