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$6,118
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$193/mo
Today · 4.125%
HK$6,501
baseline
▲ 0.50% · 4.625%
HK$6,897
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,002/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,806
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,988
−HK$186/mo
Today · 4.125%
HK$7,174
baseline
▲ 0.50% · 4.625%
HK$7,552
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,348/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,341
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,570
−HK$232/mo
Today · 4.125%
HK$7,802
baseline
▲ 0.50% · 4.625%
HK$8,276
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,604/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,167
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,386
−HK$222/mo
Today · 4.125%
HK$8,608
baseline
▲ 0.50% · 4.625%
HK$9,062
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,216/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,565
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,831
−HK$271/mo
Today · 4.125%
HK$9,102
baseline
▲ 0.50% · 4.625%
HK$9,656
+HK$554/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,204/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,528
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$259/mo
Today · 4.125%
HK$10,043
baseline
▲ 0.50% · 4.625%
HK$10,572
+HK$529/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,086/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,012
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,354
−HK$348/mo
Today · 4.125%
HK$11,702
baseline
▲ 0.50% · 4.625%
HK$12,414
+HK$712/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,404/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,251
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,579
−HK$333/mo
Today · 4.125%
HK$12,912
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$681/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,824/mo (50% DSR)
Upfront cash ≈ HK$268K (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).