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$6,164
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,356
−HK$195/mo
Today · 4.125%
HK$6,551
baseline
▲ 0.50% · 4.625%
HK$6,950
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,102/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$6,858
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,042
−HK$186/mo
Today · 4.125%
HK$7,228
baseline
▲ 0.50% · 4.625%
HK$7,609
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,456/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$7,397
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,627
−HK$234/mo
Today · 4.125%
HK$7,861
baseline
▲ 0.50% · 4.625%
HK$8,340
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,722/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$8,229
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,450
−HK$224/mo
Today · 4.125%
HK$8,674
baseline
▲ 0.50% · 4.625%
HK$9,131
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,348/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$8,630
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,899
−HK$272/mo
Today · 4.125%
HK$9,171
baseline
▲ 0.50% · 4.625%
HK$9,729
+HK$558/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$18,342/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,601
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$261/mo
Today · 4.125%
HK$10,120
baseline
▲ 0.50% · 4.625%
HK$10,653
+HK$533/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$20,240/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,096
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,441
−HK$351/mo
Today · 4.125%
HK$11,792
baseline
▲ 0.50% · 4.625%
HK$12,509
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,584/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$12,344
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,675
−HK$336/mo
Today · 4.125%
HK$13,011
baseline
▲ 0.50% · 4.625%
HK$13,697
+HK$686/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,022/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).