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$6,140
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,331
−HK$194/mo
Today · 4.125%
HK$6,525
baseline
▲ 0.50% · 4.625%
HK$6,922
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,050/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$6,830
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,013
−HK$186/mo
Today · 4.125%
HK$7,199
baseline
▲ 0.50% · 4.625%
HK$7,579
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,398/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$7,368
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,597
−HK$233/mo
Today · 4.125%
HK$7,830
baseline
▲ 0.50% · 4.625%
HK$8,306
+HK$476/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,660/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$8,196
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,416
−HK$223/mo
Today · 4.125%
HK$8,639
baseline
▲ 0.50% · 4.625%
HK$9,095
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,278/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$8,595
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,863
−HK$271/mo
Today · 4.125%
HK$9,134
baseline
▲ 0.50% · 4.625%
HK$9,690
+HK$556/mo
Deposit HK$808K · loan HK$1.88M · min. income ≈ HK$18,268/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,562
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,819
−HK$260/mo
Today · 4.125%
HK$10,079
baseline
▲ 0.50% · 4.625%
HK$10,610
+HK$531/mo
Deposit HK$808K · loan HK$1.88M · min. income ≈ HK$20,158/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,051
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,395
−HK$349/mo
Today · 4.125%
HK$11,744
baseline
▲ 0.50% · 4.625%
HK$12,459
+HK$715/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,488/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$12,294
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,624
−HK$335/mo
Today · 4.125%
HK$12,959
baseline
▲ 0.50% · 4.625%
HK$13,642
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,918/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).