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$6,127
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,318
−HK$193/mo
Today · 4.125%
HK$6,511
baseline
▲ 0.50% · 4.625%
HK$6,908
+HK$397/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,022/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$6,816
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,999
−HK$186/mo
Today · 4.125%
HK$7,185
baseline
▲ 0.50% · 4.625%
HK$7,563
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,370/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$7,353
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,581
−HK$233/mo
Today · 4.125%
HK$7,814
baseline
▲ 0.50% · 4.625%
HK$8,289
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,628/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$8,180
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,399
−HK$223/mo
Today · 4.125%
HK$8,622
baseline
▲ 0.50% · 4.625%
HK$9,076
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,244/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$8,578
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,845
−HK$271/mo
Today · 4.125%
HK$9,116
baseline
▲ 0.50% · 4.625%
HK$9,671
+HK$555/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,232/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,543
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,799
−HK$260/mo
Today · 4.125%
HK$10,059
baseline
▲ 0.50% · 4.625%
HK$10,589
+HK$530/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,118/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,029
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,372
−HK$348/mo
Today · 4.125%
HK$11,720
baseline
▲ 0.50% · 4.625%
HK$12,434
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,440/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$12,270
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,599
−HK$333/mo
Today · 4.125%
HK$12,932
baseline
▲ 0.50% · 4.625%
HK$13,614
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,864/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).