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$6,167
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,359
−HK$195/mo
Today · 4.125%
HK$6,554
baseline
▲ 0.50% · 4.625%
HK$6,953
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,108/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$6,861
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$187/mo
Today · 4.125%
HK$7,232
baseline
▲ 0.50% · 4.625%
HK$7,613
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,464/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$7,401
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,631
−HK$234/mo
Today · 4.125%
HK$7,865
baseline
▲ 0.50% · 4.625%
HK$8,343
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,730/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$8,233
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,454
−HK$224/mo
Today · 4.125%
HK$8,678
baseline
▲ 0.50% · 4.625%
HK$9,135
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,356/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$8,634
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,903
−HK$273/mo
Today · 4.125%
HK$9,176
baseline
▲ 0.50% · 4.625%
HK$9,734
+HK$558/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$18,352/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$9,605
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$261/mo
Today · 4.125%
HK$10,124
baseline
▲ 0.50% · 4.625%
HK$10,658
+HK$534/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$20,248/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$11,101
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,446
−HK$351/mo
Today · 4.125%
HK$11,797
baseline
▲ 0.50% · 4.625%
HK$12,515
+HK$718/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,594/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$12,350
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,681
−HK$336/mo
Today · 4.125%
HK$13,017
baseline
▲ 0.50% · 4.625%
HK$13,703
+HK$686/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,034/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).