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$6,157
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,349
−HK$195/mo
Today · 4.125%
HK$6,544
baseline
▲ 0.50% · 4.625%
HK$6,942
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,088/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$6,850
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,034
−HK$186/mo
Today · 4.125%
HK$7,220
baseline
▲ 0.50% · 4.625%
HK$7,601
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,440/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$7,389
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,619
−HK$233/mo
Today · 4.125%
HK$7,852
baseline
▲ 0.50% · 4.625%
HK$8,330
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,704/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$8,220
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,441
−HK$223/mo
Today · 4.125%
HK$8,664
baseline
▲ 0.50% · 4.625%
HK$9,121
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,328/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$8,620
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,889
−HK$272/mo
Today · 4.125%
HK$9,161
baseline
▲ 0.50% · 4.625%
HK$9,718
+HK$557/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$18,322/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,590
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$261/mo
Today · 4.125%
HK$10,108
baseline
▲ 0.50% · 4.625%
HK$10,641
+HK$533/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$20,216/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,083
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,428
−HK$350/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,495
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,556/mo (50% DSR)
Upfront cash ≈ HK$270K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,330
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,661
−HK$335/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,992/mo (50% DSR)
Upfront cash ≈ HK$270K (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).