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$6,128
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,319
−HK$193/mo
Today · 4.125%
HK$6,512
baseline
▲ 0.50% · 4.625%
HK$6,909
+HK$397/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,024/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$6,817
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,000
−HK$186/mo
Today · 4.125%
HK$7,186
baseline
▲ 0.50% · 4.625%
HK$7,564
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,372/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$7,354
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,582
−HK$233/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,290
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,630/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$8,181
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,400
−HK$223/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,077
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,246/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$8,579
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,846
−HK$271/mo
Today · 4.125%
HK$9,117
baseline
▲ 0.50% · 4.625%
HK$9,672
+HK$555/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,234/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,544
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,800
−HK$260/mo
Today · 4.125%
HK$10,060
baseline
▲ 0.50% · 4.625%
HK$10,590
+HK$530/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,120/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,030
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,374
−HK$348/mo
Today · 4.125%
HK$11,722
baseline
▲ 0.50% · 4.625%
HK$12,435
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,444/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$12,271
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,600
−HK$334/mo
Today · 4.125%
HK$12,934
baseline
▲ 0.50% · 4.625%
HK$13,616
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,868/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).