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$6,171
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,363
−HK$195/mo
Today · 4.125%
HK$6,558
baseline
▲ 0.50% · 4.625%
HK$6,957
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,116/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$6,865
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,049
−HK$187/mo
Today · 4.125%
HK$7,236
baseline
▲ 0.50% · 4.625%
HK$7,618
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,472/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$7,405
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,636
−HK$234/mo
Today · 4.125%
HK$7,870
baseline
▲ 0.50% · 4.625%
HK$8,349
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,740/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$8,238
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,459
−HK$224/mo
Today · 4.125%
HK$8,683
baseline
▲ 0.50% · 4.625%
HK$9,141
+HK$458/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,366/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$8,640
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,908
−HK$273/mo
Today · 4.125%
HK$9,181
baseline
▲ 0.50% · 4.625%
HK$9,740
+HK$559/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$18,362/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,611
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,869
−HK$262/mo
Today · 4.125%
HK$10,131
baseline
▲ 0.50% · 4.625%
HK$10,665
+HK$534/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$20,262/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,108
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,453
−HK$352/mo
Today · 4.125%
HK$11,805
baseline
▲ 0.50% · 4.625%
HK$12,523
+HK$718/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,610/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,358
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$336/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,712
+HK$687/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,050/mo (50% DSR)
Upfront cash ≈ HK$271K (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).