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$6,094
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,284
−HK$192/mo
Today · 4.125%
HK$6,476
baseline
▲ 0.50% · 4.625%
HK$6,870
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,952/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$6,779
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,961
−HK$185/mo
Today · 4.125%
HK$7,146
baseline
▲ 0.50% · 4.625%
HK$7,522
+HK$376/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,292/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$7,313
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,540
−HK$231/mo
Today · 4.125%
HK$7,771
baseline
▲ 0.50% · 4.625%
HK$8,244
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,542/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,135
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,354
−HK$221/mo
Today · 4.125%
HK$8,575
baseline
▲ 0.50% · 4.625%
HK$9,027
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,150/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,532
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,797
−HK$270/mo
Today · 4.125%
HK$9,067
baseline
▲ 0.50% · 4.625%
HK$9,618
+HK$551/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,134/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,491
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$258/mo
Today · 4.125%
HK$10,004
baseline
▲ 0.50% · 4.625%
HK$10,531
+HK$527/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,008/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,969
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,310
−HK$347/mo
Today · 4.125%
HK$11,657
baseline
▲ 0.50% · 4.625%
HK$12,366
+HK$709/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$23,314/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,203
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,530
−HK$332/mo
Today · 4.125%
HK$12,862
baseline
▲ 0.50% · 4.625%
HK$13,540
+HK$678/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$25,724/mo (50% DSR)
Upfront cash ≈ HK$267K (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).