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$6,108
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,298
−HK$193/mo
Today · 4.125%
HK$6,491
baseline
▲ 0.50% · 4.625%
HK$6,886
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,982/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$6,795
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,977
−HK$185/mo
Today · 4.125%
HK$7,162
baseline
▲ 0.50% · 4.625%
HK$7,539
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,324/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$7,329
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,557
−HK$232/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,578/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$8,154
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$222/mo
Today · 4.125%
HK$8,594
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,188/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$8,551
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,817
−HK$270/mo
Today · 4.125%
HK$9,087
baseline
▲ 0.50% · 4.625%
HK$9,640
+HK$553/mo
Deposit HK$804K · loan HK$1.87M · min. income ≈ HK$18,174/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$9,513
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,768
−HK$258/mo
Today · 4.125%
HK$10,026
baseline
▲ 0.50% · 4.625%
HK$10,555
+HK$529/mo
Deposit HK$804K · loan HK$1.87M · min. income ≈ HK$20,052/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$10,994
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,336
−HK$347/mo
Today · 4.125%
HK$11,683
baseline
▲ 0.50% · 4.625%
HK$12,394
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,366/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$12,230
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,558
−HK$333/mo
Today · 4.125%
HK$12,891
baseline
▲ 0.50% · 4.625%
HK$13,571
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,782/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).