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$8,211
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,467
−HK$259/mo
Today · 4.125%
HK$8,726
baseline
▲ 0.50% · 4.625%
HK$9,257
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,452/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$9,135
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,380
−HK$249/mo
Today · 4.125%
HK$9,629
baseline
▲ 0.50% · 4.625%
HK$10,136
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,258/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$9,854
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,160
−HK$312/mo
Today · 4.125%
HK$10,472
baseline
▲ 0.50% · 4.625%
HK$11,109
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,944/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$10,962
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,256
−HK$298/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,164
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,108/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$11,496
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,854
−HK$363/mo
Today · 4.125%
HK$12,217
baseline
▲ 0.50% · 4.625%
HK$12,960
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,434/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$12,789
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,132
−HK$348/mo
Today · 4.125%
HK$13,480
baseline
▲ 0.50% · 4.625%
HK$14,191
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,960/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$14,781
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$468/mo
Today · 4.125%
HK$15,708
baseline
▲ 0.50% · 4.625%
HK$16,663
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,416/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$16,443
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$448/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,245
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,664/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).