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$6,146
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,337
−HK$194/mo
Today · 4.125%
HK$6,531
baseline
▲ 0.50% · 4.625%
HK$6,929
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,062/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$6,837
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,020
−HK$186/mo
Today · 4.125%
HK$7,206
baseline
▲ 0.50% · 4.625%
HK$7,586
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,412/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$7,375
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,604
−HK$233/mo
Today · 4.125%
HK$7,837
baseline
▲ 0.50% · 4.625%
HK$8,314
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,674/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$8,205
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,425
−HK$223/mo
Today · 4.125%
HK$8,648
baseline
▲ 0.50% · 4.625%
HK$9,104
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,296/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$8,604
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,872
−HK$272/mo
Today · 4.125%
HK$9,144
baseline
▲ 0.50% · 4.625%
HK$9,700
+HK$556/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$18,288/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,572
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,829
−HK$260/mo
Today · 4.125%
HK$10,089
baseline
▲ 0.50% · 4.625%
HK$10,621
+HK$532/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$20,178/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,062
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,406
−HK$350/mo
Today · 4.125%
HK$11,756
baseline
▲ 0.50% · 4.625%
HK$12,471
+HK$715/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,512/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$12,307
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,637
−HK$335/mo
Today · 4.125%
HK$12,972
baseline
▲ 0.50% · 4.625%
HK$13,655
+HK$683/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,944/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).