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$6,173
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,365
−HK$195/mo
Today · 4.125%
HK$6,560
baseline
▲ 0.50% · 4.625%
HK$6,959
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,120/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$6,867
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,051
−HK$187/mo
Today · 4.125%
HK$7,238
baseline
▲ 0.50% · 4.625%
HK$7,620
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,476/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$7,407
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,638
−HK$234/mo
Today · 4.125%
HK$7,872
baseline
▲ 0.50% · 4.625%
HK$8,351
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,744/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$8,241
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,462
−HK$224/mo
Today · 4.125%
HK$8,686
baseline
▲ 0.50% · 4.625%
HK$9,144
+HK$458/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,372/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$8,642
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,911
−HK$273/mo
Today · 4.125%
HK$9,184
baseline
▲ 0.50% · 4.625%
HK$9,743
+HK$559/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$18,368/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,614
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,872
−HK$261/mo
Today · 4.125%
HK$10,133
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$534/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$20,266/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,111
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$351/mo
Today · 4.125%
HK$11,808
baseline
▲ 0.50% · 4.625%
HK$12,526
+HK$718/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,616/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,361
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,692
−HK$337/mo
Today · 4.125%
HK$13,029
baseline
▲ 0.50% · 4.625%
HK$13,715
+HK$686/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,058/mo (50% DSR)
Upfront cash ≈ HK$271K (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).