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$6,107
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,297
−HK$193/mo
Today · 4.125%
HK$6,490
baseline
▲ 0.50% · 4.625%
HK$6,885
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,980/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$6,794
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,976
−HK$185/mo
Today · 4.125%
HK$7,161
baseline
▲ 0.50% · 4.625%
HK$7,539
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,322/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$7,329
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,557
−HK$231/mo
Today · 4.125%
HK$7,788
baseline
▲ 0.50% · 4.625%
HK$8,262
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,576/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$8,153
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$222/mo
Today · 4.125%
HK$8,594
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,188/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$8,550
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,816
−HK$270/mo
Today · 4.125%
HK$9,086
baseline
▲ 0.50% · 4.625%
HK$9,639
+HK$553/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,172/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,512
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,767
−HK$259/mo
Today · 4.125%
HK$10,026
baseline
▲ 0.50% · 4.625%
HK$10,554
+HK$528/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,052/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,993
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,335
−HK$347/mo
Today · 4.125%
HK$11,682
baseline
▲ 0.50% · 4.625%
HK$12,393
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,364/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$12,230
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,558
−HK$332/mo
Today · 4.125%
HK$12,890
baseline
▲ 0.50% · 4.625%
HK$13,570
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,780/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).