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$8,217
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$260/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,264
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,466/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$9,142
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,387
−HK$248/mo
Today · 4.125%
HK$9,635
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,270/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$9,861
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,167
−HK$312/mo
Today · 4.125%
HK$10,479
baseline
▲ 0.50% · 4.625%
HK$11,117
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,958/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$10,970
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,264
−HK$299/mo
Today · 4.125%
HK$11,563
baseline
▲ 0.50% · 4.625%
HK$12,172
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,126/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$11,504
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$364/mo
Today · 4.125%
HK$12,226
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,452/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$12,798
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,141
−HK$349/mo
Today · 4.125%
HK$13,490
baseline
▲ 0.50% · 4.625%
HK$14,201
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,980/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$14,791
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,251
−HK$468/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,675
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,438/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$16,455
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,896
−HK$448/mo
Today · 4.125%
HK$17,344
baseline
▲ 0.50% · 4.625%
HK$18,258
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,688/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).