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$6,102
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,292
−HK$193/mo
Today · 4.125%
HK$6,485
baseline
▲ 0.50% · 4.625%
HK$6,879
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,970/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$6,789
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,971
−HK$184/mo
Today · 4.125%
HK$7,155
baseline
▲ 0.50% · 4.625%
HK$7,532
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,310/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$7,323
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,550
−HK$232/mo
Today · 4.125%
HK$7,782
baseline
▲ 0.50% · 4.625%
HK$8,255
+HK$473/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,564/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$8,146
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,365
−HK$221/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,039
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,172/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$8,543
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,809
−HK$270/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,631
+HK$552/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,158/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,504
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,759
−HK$258/mo
Today · 4.125%
HK$10,017
baseline
▲ 0.50% · 4.625%
HK$10,545
+HK$528/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,034/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,984
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,326
−HK$347/mo
Today · 4.125%
HK$11,673
baseline
▲ 0.50% · 4.625%
HK$12,383
+HK$710/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,346/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$12,219
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$333/mo
Today · 4.125%
HK$12,880
baseline
▲ 0.50% · 4.625%
HK$13,558
+HK$678/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,760/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).