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$8,222
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,478
−HK$260/mo
Today · 4.125%
HK$8,738
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,476/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$9,147
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,393
−HK$249/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,150
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,284/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$9,867
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,174
−HK$312/mo
Today · 4.125%
HK$10,486
baseline
▲ 0.50% · 4.625%
HK$11,124
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,972/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$10,977
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,271
−HK$299/mo
Today · 4.125%
HK$11,570
baseline
▲ 0.50% · 4.625%
HK$12,180
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,140/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$11,511
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,869
−HK$364/mo
Today · 4.125%
HK$12,233
baseline
▲ 0.50% · 4.625%
HK$12,978
+HK$745/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,466/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$12,806
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$348/mo
Today · 4.125%
HK$13,498
baseline
▲ 0.50% · 4.625%
HK$14,210
+HK$712/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,996/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$14,800
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$468/mo
Today · 4.125%
HK$15,729
baseline
▲ 0.50% · 4.625%
HK$16,686
+HK$957/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,458/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$16,465
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,907
−HK$448/mo
Today · 4.125%
HK$17,355
baseline
▲ 0.50% · 4.625%
HK$18,270
+HK$915/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,710/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).