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$6,098
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,288
−HK$192/mo
Today · 4.125%
HK$6,480
baseline
▲ 0.50% · 4.625%
HK$6,875
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,960/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$6,784
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,966
−HK$184/mo
Today · 4.125%
HK$7,150
baseline
▲ 0.50% · 4.625%
HK$7,527
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,300/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$7,318
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,545
−HK$231/mo
Today · 4.125%
HK$7,776
baseline
▲ 0.50% · 4.625%
HK$8,250
+HK$474/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,552/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$8,141
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,359
−HK$222/mo
Today · 4.125%
HK$8,581
baseline
▲ 0.50% · 4.625%
HK$9,033
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,162/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$8,537
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,803
−HK$269/mo
Today · 4.125%
HK$9,072
baseline
▲ 0.50% · 4.625%
HK$9,625
+HK$553/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,144/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$9,497
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,752
−HK$259/mo
Today · 4.125%
HK$10,011
baseline
▲ 0.50% · 4.625%
HK$10,538
+HK$527/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,022/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$10,976
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,318
−HK$347/mo
Today · 4.125%
HK$11,665
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$709/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$23,330/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$12,211
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,539
−HK$332/mo
Today · 4.125%
HK$12,871
baseline
▲ 0.50% · 4.625%
HK$13,549
+HK$678/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$25,742/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).