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$6,131
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,322
−HK$193/mo
Today · 4.125%
HK$6,515
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$397/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,030/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$6,821
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$186/mo
Today · 4.125%
HK$7,189
baseline
▲ 0.50% · 4.625%
HK$7,568
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,378/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$7,357
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,586
−HK$232/mo
Today · 4.125%
HK$7,818
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,636/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$8,185
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$223/mo
Today · 4.125%
HK$8,627
baseline
▲ 0.50% · 4.625%
HK$9,082
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,254/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$8,583
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,850
−HK$271/mo
Today · 4.125%
HK$9,121
baseline
▲ 0.50% · 4.625%
HK$9,676
+HK$555/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,242/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$9,549
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$260/mo
Today · 4.125%
HK$10,065
baseline
▲ 0.50% · 4.625%
HK$10,595
+HK$530/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,130/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$11,036
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$349/mo
Today · 4.125%
HK$11,728
baseline
▲ 0.50% · 4.625%
HK$12,441
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,456/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$12,277
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,606
−HK$334/mo
Today · 4.125%
HK$12,940
baseline
▲ 0.50% · 4.625%
HK$13,622
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,880/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).