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$6,138
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,329
−HK$194/mo
Today · 4.125%
HK$6,523
baseline
▲ 0.50% · 4.625%
HK$6,920
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,046/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,828
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,011
−HK$186/mo
Today · 4.125%
HK$7,197
baseline
▲ 0.50% · 4.625%
HK$7,577
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,394/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,365
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,595
−HK$232/mo
Today · 4.125%
HK$7,827
baseline
▲ 0.50% · 4.625%
HK$8,304
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,654/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$8,194
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,414
−HK$223/mo
Today · 4.125%
HK$8,637
baseline
▲ 0.50% · 4.625%
HK$9,092
+HK$455/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,274/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$8,593
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,860
−HK$272/mo
Today · 4.125%
HK$9,132
baseline
▲ 0.50% · 4.625%
HK$9,688
+HK$556/mo
Deposit HK$808K · loan HK$1.88M · min. income ≈ HK$18,264/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,560
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,816
−HK$260/mo
Today · 4.125%
HK$10,076
baseline
▲ 0.50% · 4.625%
HK$10,607
+HK$531/mo
Deposit HK$808K · loan HK$1.88M · min. income ≈ HK$20,152/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,048
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,392
−HK$349/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,455
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,482/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,291
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,621
−HK$334/mo
Today · 4.125%
HK$12,955
baseline
▲ 0.50% · 4.625%
HK$13,638
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,910/mo (50% DSR)
Upfront cash ≈ HK$269K (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).