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$6,136
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,327
−HK$193/mo
Today · 4.125%
HK$6,520
baseline
▲ 0.50% · 4.625%
HK$6,917
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,040/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$6,826
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,009
−HK$186/mo
Today · 4.125%
HK$7,195
baseline
▲ 0.50% · 4.625%
HK$7,574
+HK$379/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,390/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$7,363
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$233/mo
Today · 4.125%
HK$7,825
baseline
▲ 0.50% · 4.625%
HK$8,301
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,650/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$8,191
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,411
−HK$223/mo
Today · 4.125%
HK$8,634
baseline
▲ 0.50% · 4.625%
HK$9,089
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,268/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$8,590
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$272/mo
Today · 4.125%
HK$9,129
baseline
▲ 0.50% · 4.625%
HK$9,684
+HK$555/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,258/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,556
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,813
−HK$260/mo
Today · 4.125%
HK$10,073
baseline
▲ 0.50% · 4.625%
HK$10,603
+HK$530/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,146/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,044
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$349/mo
Today · 4.125%
HK$11,737
baseline
▲ 0.50% · 4.625%
HK$12,451
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,474/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$12,287
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,616
−HK$334/mo
Today · 4.125%
HK$12,950
baseline
▲ 0.50% · 4.625%
HK$13,633
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,900/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).