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$6,148
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,339
−HK$194/mo
Today · 4.125%
HK$6,533
baseline
▲ 0.50% · 4.625%
HK$6,931
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,066/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$6,839
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$186/mo
Today · 4.125%
HK$7,209
baseline
▲ 0.50% · 4.625%
HK$7,589
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,418/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$7,377
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,607
−HK$233/mo
Today · 4.125%
HK$7,840
baseline
▲ 0.50% · 4.625%
HK$8,317
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,680/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$8,207
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,427
−HK$224/mo
Today · 4.125%
HK$8,651
baseline
▲ 0.50% · 4.625%
HK$9,107
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,302/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$8,607
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,875
−HK$272/mo
Today · 4.125%
HK$9,147
baseline
▲ 0.50% · 4.625%
HK$9,703
+HK$556/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$18,294/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,575
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,832
−HK$261/mo
Today · 4.125%
HK$10,093
baseline
▲ 0.50% · 4.625%
HK$10,625
+HK$532/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$20,186/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,066
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$350/mo
Today · 4.125%
HK$11,760
baseline
▲ 0.50% · 4.625%
HK$12,476
+HK$716/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,520/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$12,311
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,641
−HK$335/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$684/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,952/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).