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$8,221
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,477
−HK$260/mo
Today · 4.125%
HK$8,737
baseline
▲ 0.50% · 4.625%
HK$9,268
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,474/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$9,146
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,391
−HK$249/mo
Today · 4.125%
HK$9,640
baseline
▲ 0.50% · 4.625%
HK$10,148
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,280/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$9,865
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,172
−HK$312/mo
Today · 4.125%
HK$10,484
baseline
▲ 0.50% · 4.625%
HK$11,122
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,968/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$10,975
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,269
−HK$299/mo
Today · 4.125%
HK$11,568
baseline
▲ 0.50% · 4.625%
HK$12,178
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,136/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$11,510
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,868
−HK$363/mo
Today · 4.125%
HK$12,231
baseline
▲ 0.50% · 4.625%
HK$12,976
+HK$745/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,462/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$12,804
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,148
−HK$348/mo
Today · 4.125%
HK$13,496
baseline
▲ 0.50% · 4.625%
HK$14,207
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,992/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$14,798
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$468/mo
Today · 4.125%
HK$15,726
baseline
▲ 0.50% · 4.625%
HK$16,683
+HK$957/mo
Deposit HK$361K · loan HK$3.24M · min. income ≈ HK$31,452/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$16,463
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$448/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,267
+HK$915/mo
Deposit HK$361K · loan HK$3.24M · min. income ≈ HK$34,704/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).