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$6,149
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,340
−HK$195/mo
Today · 4.125%
HK$6,535
baseline
▲ 0.50% · 4.625%
HK$6,932
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,070/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$6,841
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,024
−HK$186/mo
Today · 4.125%
HK$7,210
baseline
▲ 0.50% · 4.625%
HK$7,591
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,420/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$7,379
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,608
−HK$234/mo
Today · 4.125%
HK$7,842
baseline
▲ 0.50% · 4.625%
HK$8,319
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,684/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$8,209
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,429
−HK$224/mo
Today · 4.125%
HK$8,653
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,306/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$8,609
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,877
−HK$272/mo
Today · 4.125%
HK$9,149
baseline
▲ 0.50% · 4.625%
HK$9,705
+HK$556/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$18,298/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,577
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,834
−HK$261/mo
Today · 4.125%
HK$10,095
baseline
▲ 0.50% · 4.625%
HK$10,627
+HK$532/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$20,190/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,068
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,413
−HK$350/mo
Today · 4.125%
HK$11,763
baseline
▲ 0.50% · 4.625%
HK$12,478
+HK$715/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,526/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$12,314
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,644
−HK$335/mo
Today · 4.125%
HK$12,979
baseline
▲ 0.50% · 4.625%
HK$13,663
+HK$684/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,958/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).