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$6,116
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,306
−HK$194/mo
Today · 4.125%
HK$6,500
baseline
▲ 0.50% · 4.625%
HK$6,895
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,000/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,804
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,987
−HK$185/mo
Today · 4.125%
HK$7,172
baseline
▲ 0.50% · 4.625%
HK$7,550
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,344/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,339
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,568
−HK$232/mo
Today · 4.125%
HK$7,800
baseline
▲ 0.50% · 4.625%
HK$8,274
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,600/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,165
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,384
−HK$222/mo
Today · 4.125%
HK$8,606
baseline
▲ 0.50% · 4.625%
HK$9,060
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,212/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,563
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,829
−HK$271/mo
Today · 4.125%
HK$9,100
baseline
▲ 0.50% · 4.625%
HK$9,653
+HK$553/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,200/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,526
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,781
−HK$260/mo
Today · 4.125%
HK$10,041
baseline
▲ 0.50% · 4.625%
HK$10,570
+HK$529/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,082/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,009
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,352
−HK$348/mo
Today · 4.125%
HK$11,700
baseline
▲ 0.50% · 4.625%
HK$12,411
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,400/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,248
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,576
−HK$333/mo
Today · 4.125%
HK$12,909
baseline
▲ 0.50% · 4.625%
HK$13,590
+HK$681/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,818/mo (50% DSR)
Upfront cash ≈ HK$268K (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).