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$6,163
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,354
−HK$195/mo
Today · 4.125%
HK$6,549
baseline
▲ 0.50% · 4.625%
HK$6,948
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,098/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$6,856
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,040
−HK$186/mo
Today · 4.125%
HK$7,226
baseline
▲ 0.50% · 4.625%
HK$7,607
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,452/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$7,395
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,625
−HK$234/mo
Today · 4.125%
HK$7,859
baseline
▲ 0.50% · 4.625%
HK$8,337
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,718/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$8,227
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,448
−HK$224/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,129
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,344/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$8,628
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$273/mo
Today · 4.125%
HK$9,169
baseline
▲ 0.50% · 4.625%
HK$9,727
+HK$558/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$18,338/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$9,598
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,856
−HK$261/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,650
+HK$533/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$20,234/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$11,093
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$351/mo
Today · 4.125%
HK$11,789
baseline
▲ 0.50% · 4.625%
HK$12,506
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,578/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$12,341
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$336/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,693
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,016/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).