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$6,136
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,327
−HK$194/mo
Today · 4.125%
HK$6,521
baseline
▲ 0.50% · 4.625%
HK$6,918
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,042/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$6,827
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,010
−HK$185/mo
Today · 4.125%
HK$7,195
baseline
▲ 0.50% · 4.625%
HK$7,575
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,390/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$7,364
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,593
−HK$232/mo
Today · 4.125%
HK$7,825
baseline
▲ 0.50% · 4.625%
HK$8,301
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,650/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$8,192
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,412
−HK$222/mo
Today · 4.125%
HK$8,634
baseline
▲ 0.50% · 4.625%
HK$9,090
+HK$456/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,268/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$8,591
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,858
−HK$271/mo
Today · 4.125%
HK$9,129
baseline
▲ 0.50% · 4.625%
HK$9,685
+HK$556/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,258/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,557
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,813
−HK$260/mo
Today · 4.125%
HK$10,073
baseline
▲ 0.50% · 4.625%
HK$10,604
+HK$531/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,146/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,045
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,389
−HK$349/mo
Today · 4.125%
HK$11,738
baseline
▲ 0.50% · 4.625%
HK$12,452
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,476/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,288
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,617
−HK$335/mo
Today · 4.125%
HK$12,952
baseline
▲ 0.50% · 4.625%
HK$13,634
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,904/mo (50% DSR)
Upfront cash ≈ HK$269K (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).