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$6,170
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,362
−HK$195/mo
Today · 4.125%
HK$6,557
baseline
▲ 0.50% · 4.625%
HK$6,955
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,114/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$6,864
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,048
−HK$186/mo
Today · 4.125%
HK$7,234
baseline
▲ 0.50% · 4.625%
HK$7,616
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,468/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$7,404
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,634
−HK$234/mo
Today · 4.125%
HK$7,868
baseline
▲ 0.50% · 4.625%
HK$8,347
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,736/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$8,236
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,457
−HK$224/mo
Today · 4.125%
HK$8,681
baseline
▲ 0.50% · 4.625%
HK$9,139
+HK$458/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,362/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$8,637
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,906
−HK$273/mo
Today · 4.125%
HK$9,179
baseline
▲ 0.50% · 4.625%
HK$9,738
+HK$559/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$18,358/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,609
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,867
−HK$261/mo
Today · 4.125%
HK$10,128
baseline
▲ 0.50% · 4.625%
HK$10,662
+HK$534/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$20,256/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,105
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,451
−HK$351/mo
Today · 4.125%
HK$11,802
baseline
▲ 0.50% · 4.625%
HK$12,520
+HK$718/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,604/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,355
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,686
−HK$336/mo
Today · 4.125%
HK$13,022
baseline
▲ 0.50% · 4.625%
HK$13,708
+HK$686/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,044/mo (50% DSR)
Upfront cash ≈ HK$271K (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).