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$6,153
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,344
−HK$195/mo
Today · 4.125%
HK$6,539
baseline
▲ 0.50% · 4.625%
HK$6,937
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,078/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$6,845
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,029
−HK$186/mo
Today · 4.125%
HK$7,215
baseline
▲ 0.50% · 4.625%
HK$7,595
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,430/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$7,383
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,613
−HK$233/mo
Today · 4.125%
HK$7,846
baseline
▲ 0.50% · 4.625%
HK$8,324
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,692/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$8,214
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,434
−HK$224/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,114
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,316/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$8,614
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,882
−HK$272/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$557/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$18,308/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,583
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,840
−HK$261/mo
Today · 4.125%
HK$10,101
baseline
▲ 0.50% · 4.625%
HK$10,633
+HK$532/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$20,202/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,075
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$350/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,486
+HK$716/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,540/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$12,321
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$336/mo
Today · 4.125%
HK$12,987
baseline
▲ 0.50% · 4.625%
HK$13,671
+HK$684/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,974/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).