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$6,151
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,343
−HK$194/mo
Today · 4.125%
HK$6,537
baseline
▲ 0.50% · 4.625%
HK$6,935
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,074/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$6,843
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,027
−HK$186/mo
Today · 4.125%
HK$7,213
baseline
▲ 0.50% · 4.625%
HK$7,593
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,426/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$7,382
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,611
−HK$233/mo
Today · 4.125%
HK$7,844
baseline
▲ 0.50% · 4.625%
HK$8,322
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,688/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$8,212
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,432
−HK$224/mo
Today · 4.125%
HK$8,656
baseline
▲ 0.50% · 4.625%
HK$9,112
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,312/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$8,612
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,880
−HK$272/mo
Today · 4.125%
HK$9,152
baseline
▲ 0.50% · 4.625%
HK$9,709
+HK$557/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$18,304/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,581
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$260/mo
Today · 4.125%
HK$10,098
baseline
▲ 0.50% · 4.625%
HK$10,630
+HK$532/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$20,196/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,072
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,417
−HK$350/mo
Today · 4.125%
HK$11,767
baseline
▲ 0.50% · 4.625%
HK$12,483
+HK$716/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,534/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$12,318
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,648
−HK$335/mo
Today · 4.125%
HK$12,983
baseline
▲ 0.50% · 4.625%
HK$13,668
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,966/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).