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$6,158
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,350
−HK$195/mo
Today · 4.125%
HK$6,545
baseline
▲ 0.50% · 4.625%
HK$6,943
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,090/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$6,851
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,035
−HK$186/mo
Today · 4.125%
HK$7,221
baseline
▲ 0.50% · 4.625%
HK$7,602
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,442/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$7,390
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,620
−HK$234/mo
Today · 4.125%
HK$7,854
baseline
▲ 0.50% · 4.625%
HK$8,331
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,708/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$8,221
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,442
−HK$224/mo
Today · 4.125%
HK$8,666
baseline
▲ 0.50% · 4.625%
HK$9,122
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,332/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$8,622
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,890
−HK$272/mo
Today · 4.125%
HK$9,162
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$558/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$18,324/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$9,592
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,849
−HK$261/mo
Today · 4.125%
HK$10,110
baseline
▲ 0.50% · 4.625%
HK$10,643
+HK$533/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$20,220/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$11,085
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,430
−HK$350/mo
Today · 4.125%
HK$11,780
baseline
▲ 0.50% · 4.625%
HK$12,497
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,560/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$12,332
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,663
−HK$335/mo
Today · 4.125%
HK$12,998
baseline
▲ 0.50% · 4.625%
HK$13,684
+HK$686/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,996/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).