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$6,099
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,289
−HK$193/mo
Today · 4.125%
HK$6,482
baseline
▲ 0.50% · 4.625%
HK$6,876
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,964/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$6,785
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,967
−HK$185/mo
Today · 4.125%
HK$7,152
baseline
▲ 0.50% · 4.625%
HK$7,529
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,304/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$7,319
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,547
−HK$231/mo
Today · 4.125%
HK$7,778
baseline
▲ 0.50% · 4.625%
HK$8,251
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,556/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$8,142
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,361
−HK$221/mo
Today · 4.125%
HK$8,582
baseline
▲ 0.50% · 4.625%
HK$9,035
+HK$453/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,164/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$8,539
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,805
−HK$269/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$553/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,148/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,499
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$259/mo
Today · 4.125%
HK$10,013
baseline
▲ 0.50% · 4.625%
HK$10,540
+HK$527/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,026/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,979
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,320
−HK$347/mo
Today · 4.125%
HK$11,667
baseline
▲ 0.50% · 4.625%
HK$12,377
+HK$710/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$23,334/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$12,214
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,541
−HK$332/mo
Today · 4.125%
HK$12,873
baseline
▲ 0.50% · 4.625%
HK$13,552
+HK$679/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$25,746/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).