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$6,104
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,294
−HK$193/mo
Today · 4.125%
HK$6,487
baseline
▲ 0.50% · 4.625%
HK$6,881
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,974/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$6,791
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,973
−HK$184/mo
Today · 4.125%
HK$7,157
baseline
▲ 0.50% · 4.625%
HK$7,535
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,314/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$7,325
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,552
−HK$232/mo
Today · 4.125%
HK$7,784
baseline
▲ 0.50% · 4.625%
HK$8,258
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,568/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$8,149
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$222/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,042
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,178/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$8,545
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,811
−HK$270/mo
Today · 4.125%
HK$9,081
baseline
▲ 0.50% · 4.625%
HK$9,634
+HK$553/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,162/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,507
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,762
−HK$258/mo
Today · 4.125%
HK$10,020
baseline
▲ 0.50% · 4.625%
HK$10,549
+HK$529/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,040/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,987
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,329
−HK$347/mo
Today · 4.125%
HK$11,676
baseline
▲ 0.50% · 4.625%
HK$12,386
+HK$710/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,352/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,223
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,551
−HK$332/mo
Today · 4.125%
HK$12,883
baseline
▲ 0.50% · 4.625%
HK$13,562
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,766/mo (50% DSR)
Upfront cash ≈ HK$268K (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).