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$6,141
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,332
−HK$195/mo
Today · 4.125%
HK$6,527
baseline
▲ 0.50% · 4.625%
HK$6,924
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,054/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$6,832
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,016
−HK$185/mo
Today · 4.125%
HK$7,201
baseline
▲ 0.50% · 4.625%
HK$7,581
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,402/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$7,370
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,599
−HK$233/mo
Today · 4.125%
HK$7,832
baseline
▲ 0.50% · 4.625%
HK$8,308
+HK$476/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,664/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$8,199
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,419
−HK$223/mo
Today · 4.125%
HK$8,642
baseline
▲ 0.50% · 4.625%
HK$9,097
+HK$455/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,284/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$8,598
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,865
−HK$272/mo
Today · 4.125%
HK$9,137
baseline
▲ 0.50% · 4.625%
HK$9,693
+HK$556/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$18,274/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,565
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,822
−HK$260/mo
Today · 4.125%
HK$10,082
baseline
▲ 0.50% · 4.625%
HK$10,613
+HK$531/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$20,164/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,055
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,398
−HK$350/mo
Today · 4.125%
HK$11,748
baseline
▲ 0.50% · 4.625%
HK$12,463
+HK$715/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,496/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,298
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,628
−HK$335/mo
Today · 4.125%
HK$12,963
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,926/mo (50% DSR)
Upfront cash ≈ HK$269K (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).