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$8,191
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,446
−HK$259/mo
Today · 4.125%
HK$8,705
baseline
▲ 0.50% · 4.625%
HK$9,235
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,410/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$9,113
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,357
−HK$248/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,111
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,210/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$9,830
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,135
−HK$311/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$11,082
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,892/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$10,935
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$297/mo
Today · 4.125%
HK$11,526
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,052/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$11,468
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,825
−HK$362/mo
Today · 4.125%
HK$12,187
baseline
▲ 0.50% · 4.625%
HK$12,928
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,374/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$12,758
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$347/mo
Today · 4.125%
HK$13,447
baseline
▲ 0.50% · 4.625%
HK$14,156
+HK$709/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,894/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$14,744
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,203
−HK$466/mo
Today · 4.125%
HK$15,669
baseline
▲ 0.50% · 4.625%
HK$16,622
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,338/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$16,403
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$446/mo
Today · 4.125%
HK$17,289
baseline
▲ 0.50% · 4.625%
HK$18,200
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,578/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).