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$6,107
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,297
−HK$193/mo
Today · 4.125%
HK$6,490
baseline
▲ 0.50% · 4.625%
HK$6,884
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,980/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$6,794
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,976
−HK$185/mo
Today · 4.125%
HK$7,161
baseline
▲ 0.50% · 4.625%
HK$7,538
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,322/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$7,328
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,556
−HK$232/mo
Today · 4.125%
HK$7,788
baseline
▲ 0.50% · 4.625%
HK$8,261
+HK$473/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,576/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$8,152
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,371
−HK$222/mo
Today · 4.125%
HK$8,593
baseline
▲ 0.50% · 4.625%
HK$9,046
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,186/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$8,549
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,815
−HK$270/mo
Today · 4.125%
HK$9,085
baseline
▲ 0.50% · 4.625%
HK$9,638
+HK$553/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,170/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,511
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,766
−HK$259/mo
Today · 4.125%
HK$10,025
baseline
▲ 0.50% · 4.625%
HK$10,553
+HK$528/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,050/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,992
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,334
−HK$347/mo
Today · 4.125%
HK$11,681
baseline
▲ 0.50% · 4.625%
HK$12,392
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,362/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$12,228
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,556
−HK$333/mo
Today · 4.125%
HK$12,889
baseline
▲ 0.50% · 4.625%
HK$13,569
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,778/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).