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$6,129
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,319
−HK$194/mo
Today · 4.125%
HK$6,513
baseline
▲ 0.50% · 4.625%
HK$6,909
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,026/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$6,818
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,001
−HK$186/mo
Today · 4.125%
HK$7,187
baseline
▲ 0.50% · 4.625%
HK$7,565
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,374/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$7,355
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,583
−HK$233/mo
Today · 4.125%
HK$7,816
baseline
▲ 0.50% · 4.625%
HK$8,291
+HK$475/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,632/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$8,182
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,401
−HK$223/mo
Today · 4.125%
HK$8,624
baseline
▲ 0.50% · 4.625%
HK$9,078
+HK$454/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,248/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$8,580
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,847
−HK$271/mo
Today · 4.125%
HK$9,118
baseline
▲ 0.50% · 4.625%
HK$9,673
+HK$555/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,236/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$9,546
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$259/mo
Today · 4.125%
HK$10,061
baseline
▲ 0.50% · 4.625%
HK$10,592
+HK$531/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,122/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$11,032
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,375
−HK$349/mo
Today · 4.125%
HK$11,724
baseline
▲ 0.50% · 4.625%
HK$12,437
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,448/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$12,273
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$334/mo
Today · 4.125%
HK$12,936
baseline
▲ 0.50% · 4.625%
HK$13,618
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,872/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).