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$6,160
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,352
−HK$194/mo
Today · 4.125%
HK$6,546
baseline
▲ 0.50% · 4.625%
HK$6,945
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,092/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$6,853
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,037
−HK$186/mo
Today · 4.125%
HK$7,223
baseline
▲ 0.50% · 4.625%
HK$7,604
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,446/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$7,392
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,622
−HK$234/mo
Today · 4.125%
HK$7,856
baseline
▲ 0.50% · 4.625%
HK$8,334
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,712/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$8,224
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,444
−HK$224/mo
Today · 4.125%
HK$8,668
baseline
▲ 0.50% · 4.625%
HK$9,125
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,336/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$8,624
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,892
−HK$273/mo
Today · 4.125%
HK$9,165
baseline
▲ 0.50% · 4.625%
HK$9,723
+HK$558/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$18,330/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$9,594
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,852
−HK$261/mo
Today · 4.125%
HK$10,113
baseline
▲ 0.50% · 4.625%
HK$10,646
+HK$533/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$20,226/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$11,088
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$351/mo
Today · 4.125%
HK$11,784
baseline
▲ 0.50% · 4.625%
HK$12,501
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,568/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$12,336
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,666
−HK$336/mo
Today · 4.125%
HK$13,002
baseline
▲ 0.50% · 4.625%
HK$13,687
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,004/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).