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$6,135
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,326
−HK$194/mo
Today · 4.125%
HK$6,520
baseline
▲ 0.50% · 4.625%
HK$6,917
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,040/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$6,826
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,009
−HK$185/mo
Today · 4.125%
HK$7,194
baseline
▲ 0.50% · 4.625%
HK$7,574
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,388/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$7,362
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,591
−HK$233/mo
Today · 4.125%
HK$7,824
baseline
▲ 0.50% · 4.625%
HK$8,300
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,648/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$8,191
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,410
−HK$223/mo
Today · 4.125%
HK$8,633
baseline
▲ 0.50% · 4.625%
HK$9,088
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,266/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$8,590
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$271/mo
Today · 4.125%
HK$9,128
baseline
▲ 0.50% · 4.625%
HK$9,684
+HK$556/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,256/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,556
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$260/mo
Today · 4.125%
HK$10,072
baseline
▲ 0.50% · 4.625%
HK$10,603
+HK$531/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,144/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,044
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,387
−HK$349/mo
Today · 4.125%
HK$11,736
baseline
▲ 0.50% · 4.625%
HK$12,450
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,472/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$12,286
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,615
−HK$335/mo
Today · 4.125%
HK$12,950
baseline
▲ 0.50% · 4.625%
HK$13,632
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,900/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).