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$6,166
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,358
−HK$195/mo
Today · 4.125%
HK$6,553
baseline
▲ 0.50% · 4.625%
HK$6,952
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,106/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$6,860
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,044
−HK$186/mo
Today · 4.125%
HK$7,230
baseline
▲ 0.50% · 4.625%
HK$7,612
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,460/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$7,399
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,630
−HK$233/mo
Today · 4.125%
HK$7,863
baseline
▲ 0.50% · 4.625%
HK$8,342
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,726/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$8,232
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,452
−HK$224/mo
Today · 4.125%
HK$8,676
baseline
▲ 0.50% · 4.625%
HK$9,134
+HK$458/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,352/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$8,633
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,901
−HK$273/mo
Today · 4.125%
HK$9,174
baseline
▲ 0.50% · 4.625%
HK$9,732
+HK$558/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$18,348/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,604
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,861
−HK$262/mo
Today · 4.125%
HK$10,123
baseline
▲ 0.50% · 4.625%
HK$10,656
+HK$533/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$20,246/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,099
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,444
−HK$351/mo
Today · 4.125%
HK$11,795
baseline
▲ 0.50% · 4.625%
HK$12,513
+HK$718/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,590/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,348
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,679
−HK$336/mo
Today · 4.125%
HK$13,015
baseline
▲ 0.50% · 4.625%
HK$13,701
+HK$686/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,030/mo (50% DSR)
Upfront cash ≈ HK$271K (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).