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$6,155
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,346
−HK$195/mo
Today · 4.125%
HK$6,541
baseline
▲ 0.50% · 4.625%
HK$6,939
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,082/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$6,847
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,031
−HK$186/mo
Today · 4.125%
HK$7,217
baseline
▲ 0.50% · 4.625%
HK$7,597
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,434/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$7,386
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,615
−HK$234/mo
Today · 4.125%
HK$7,849
baseline
▲ 0.50% · 4.625%
HK$8,326
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,698/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$8,217
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,437
−HK$223/mo
Today · 4.125%
HK$8,660
baseline
▲ 0.50% · 4.625%
HK$9,117
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,320/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$8,617
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,885
−HK$272/mo
Today · 4.125%
HK$9,157
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$557/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$18,314/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$9,586
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,843
−HK$261/mo
Today · 4.125%
HK$10,104
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$532/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$20,208/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$11,079
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,423
−HK$350/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,490
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,546/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$12,325
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$336/mo
Today · 4.125%
HK$12,991
baseline
▲ 0.50% · 4.625%
HK$13,675
+HK$684/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,982/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).