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$6,142
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,333
−HK$195/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$6,833
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,017
−HK$186/mo
Today · 4.125%
HK$7,203
baseline
▲ 0.50% · 4.625%
HK$7,582
+HK$379/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$7,371
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,600
−HK$233/mo
Today · 4.125%
HK$7,833
baseline
▲ 0.50% · 4.625%
HK$8,310
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,666/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$8,200
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,420
−HK$223/mo
Today · 4.125%
HK$8,643
baseline
▲ 0.50% · 4.625%
HK$9,099
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,286/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$8,599
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,867
−HK$272/mo
Today · 4.125%
HK$9,139
baseline
▲ 0.50% · 4.625%
HK$9,695
+HK$556/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$9,567
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,823
−HK$261/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$531/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$11,056
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,400
−HK$350/mo
Today · 4.125%
HK$11,750
baseline
▲ 0.50% · 4.625%
HK$12,465
+HK$715/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,500/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$12,300
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,630
−HK$335/mo
Today · 4.125%
HK$12,965
baseline
▲ 0.50% · 4.625%
HK$13,648
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,930/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).