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$6,143
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,334
−HK$194/mo
Today · 4.125%
HK$6,528
baseline
▲ 0.50% · 4.625%
HK$6,925
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,056/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$6,834
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,017
−HK$186/mo
Today · 4.125%
HK$7,203
baseline
▲ 0.50% · 4.625%
HK$7,583
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,406/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$7,372
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,601
−HK$233/mo
Today · 4.125%
HK$7,834
baseline
▲ 0.50% · 4.625%
HK$8,310
+HK$476/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,668/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$8,201
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,421
−HK$223/mo
Today · 4.125%
HK$8,644
baseline
▲ 0.50% · 4.625%
HK$9,099
+HK$455/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,288/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$8,600
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,868
−HK$271/mo
Today · 4.125%
HK$9,139
baseline
▲ 0.50% · 4.625%
HK$9,696
+HK$557/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$18,278/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$9,568
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,824
−HK$260/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,616
+HK$532/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$20,168/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$11,057
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,401
−HK$350/mo
Today · 4.125%
HK$11,751
baseline
▲ 0.50% · 4.625%
HK$12,466
+HK$715/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,502/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$12,301
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,631
−HK$335/mo
Today · 4.125%
HK$12,966
baseline
▲ 0.50% · 4.625%
HK$13,649
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,932/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).