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$6,163
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,355
−HK$195/mo
Today · 4.125%
HK$6,550
baseline
▲ 0.50% · 4.625%
HK$6,948
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,100/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$6,857
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,041
−HK$186/mo
Today · 4.125%
HK$7,227
baseline
▲ 0.50% · 4.625%
HK$7,608
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,454/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$7,396
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,626
−HK$234/mo
Today · 4.125%
HK$7,860
baseline
▲ 0.50% · 4.625%
HK$8,338
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,720/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$8,228
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,449
−HK$224/mo
Today · 4.125%
HK$8,673
baseline
▲ 0.50% · 4.625%
HK$9,130
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,346/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$8,629
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,897
−HK$273/mo
Today · 4.125%
HK$9,170
baseline
▲ 0.50% · 4.625%
HK$9,728
+HK$558/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$18,340/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$9,599
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$261/mo
Today · 4.125%
HK$10,118
baseline
▲ 0.50% · 4.625%
HK$10,651
+HK$533/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$20,236/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$11,094
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,439
−HK$351/mo
Today · 4.125%
HK$11,790
baseline
▲ 0.50% · 4.625%
HK$12,507
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,580/mo (50% DSR)
Upfront cash ≈ HK$270K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,342
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$336/mo
Today · 4.125%
HK$13,009
baseline
▲ 0.50% · 4.625%
HK$13,695
+HK$686/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,018/mo (50% DSR)
Upfront cash ≈ HK$270K (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).