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$6,113
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,303
−HK$193/mo
Today · 4.125%
HK$6,496
baseline
▲ 0.50% · 4.625%
HK$6,892
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,992/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$6,801
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,983
−HK$185/mo
Today · 4.125%
HK$7,168
baseline
▲ 0.50% · 4.625%
HK$7,546
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,336/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$7,336
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,564
−HK$232/mo
Today · 4.125%
HK$7,796
baseline
▲ 0.50% · 4.625%
HK$8,270
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,592/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$8,161
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,380
−HK$222/mo
Today · 4.125%
HK$8,602
baseline
▲ 0.50% · 4.625%
HK$9,055
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,204/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$8,558
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,824
−HK$271/mo
Today · 4.125%
HK$9,095
baseline
▲ 0.50% · 4.625%
HK$9,648
+HK$553/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$18,190/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$9,521
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,776
−HK$259/mo
Today · 4.125%
HK$10,035
baseline
▲ 0.50% · 4.625%
HK$10,564
+HK$529/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$20,070/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$11,003
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,346
−HK$347/mo
Today · 4.125%
HK$11,693
baseline
▲ 0.50% · 4.625%
HK$12,405
+HK$712/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,386/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$12,241
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,569
−HK$334/mo
Today · 4.125%
HK$12,903
baseline
▲ 0.50% · 4.625%
HK$13,583
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,806/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).