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$6,119
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,309
−HK$193/mo
Today · 4.125%
HK$6,502
baseline
▲ 0.50% · 4.625%
HK$6,898
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,004/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$6,807
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,989
−HK$186/mo
Today · 4.125%
HK$7,175
baseline
▲ 0.50% · 4.625%
HK$7,553
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,350/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$7,342
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,571
−HK$232/mo
Today · 4.125%
HK$7,803
baseline
▲ 0.50% · 4.625%
HK$8,278
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,606/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$8,168
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,387
−HK$223/mo
Today · 4.125%
HK$8,610
baseline
▲ 0.50% · 4.625%
HK$9,063
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,220/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$8,566
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,833
−HK$270/mo
Today · 4.125%
HK$9,103
baseline
▲ 0.50% · 4.625%
HK$9,657
+HK$554/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,206/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$9,530
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,785
−HK$260/mo
Today · 4.125%
HK$10,045
baseline
▲ 0.50% · 4.625%
HK$10,574
+HK$529/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,090/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$11,014
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,356
−HK$348/mo
Today · 4.125%
HK$11,704
baseline
▲ 0.50% · 4.625%
HK$12,416
+HK$712/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,408/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$12,252
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,581
−HK$333/mo
Today · 4.125%
HK$12,914
baseline
▲ 0.50% · 4.625%
HK$13,595
+HK$681/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,828/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).