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$8,194
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,449
−HK$259/mo
Today · 4.125%
HK$8,708
baseline
▲ 0.50% · 4.625%
HK$9,238
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,416/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$9,116
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,360
−HK$248/mo
Today · 4.125%
HK$9,608
baseline
▲ 0.50% · 4.625%
HK$10,115
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,216/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$9,833
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,139
−HK$311/mo
Today · 4.125%
HK$10,450
baseline
▲ 0.50% · 4.625%
HK$11,085
+HK$635/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,900/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$10,939
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,232
−HK$298/mo
Today · 4.125%
HK$11,530
baseline
▲ 0.50% · 4.625%
HK$12,138
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,060/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$11,472
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$362/mo
Today · 4.125%
HK$12,191
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,382/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$12,762
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$347/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,161
+HK$709/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,904/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$14,749
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,208
−HK$466/mo
Today · 4.125%
HK$15,674
baseline
▲ 0.50% · 4.625%
HK$16,628
+HK$954/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,348/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$16,409
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,849
−HK$446/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,207
+HK$912/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,590/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).