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$8,210
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,466
−HK$259/mo
Today · 4.125%
HK$8,725
baseline
▲ 0.50% · 4.625%
HK$9,256
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,450/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$9,134
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,379
−HK$248/mo
Today · 4.125%
HK$9,627
baseline
▲ 0.50% · 4.625%
HK$10,135
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,254/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$9,852
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,159
−HK$311/mo
Today · 4.125%
HK$10,470
baseline
▲ 0.50% · 4.625%
HK$11,107
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,940/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$10,960
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,254
−HK$299/mo
Today · 4.125%
HK$11,553
baseline
▲ 0.50% · 4.625%
HK$12,162
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,106/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$11,494
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,852
−HK$363/mo
Today · 4.125%
HK$12,215
baseline
▲ 0.50% · 4.625%
HK$12,958
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,430/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$12,787
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,130
−HK$348/mo
Today · 4.125%
HK$13,478
baseline
▲ 0.50% · 4.625%
HK$14,188
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,956/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$14,778
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,238
−HK$467/mo
Today · 4.125%
HK$15,705
baseline
▲ 0.50% · 4.625%
HK$16,661
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,410/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$16,441
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,882
−HK$447/mo
Today · 4.125%
HK$17,329
baseline
▲ 0.50% · 4.625%
HK$18,242
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,658/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).