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$6,177
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,369
−HK$195/mo
Today · 4.125%
HK$6,564
baseline
▲ 0.50% · 4.625%
HK$6,964
+HK$400/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,128/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$6,872
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,056
−HK$187/mo
Today · 4.125%
HK$7,243
baseline
▲ 0.50% · 4.625%
HK$7,625
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,486/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$7,412
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,643
−HK$234/mo
Today · 4.125%
HK$7,877
baseline
▲ 0.50% · 4.625%
HK$8,356
+HK$479/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,754/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$8,246
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,467
−HK$224/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,150
+HK$459/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,382/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$8,648
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,917
−HK$273/mo
Today · 4.125%
HK$9,190
baseline
▲ 0.50% · 4.625%
HK$9,749
+HK$559/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$18,380/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,620
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,878
−HK$262/mo
Today · 4.125%
HK$10,140
baseline
▲ 0.50% · 4.625%
HK$10,675
+HK$535/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$20,280/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,118
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$351/mo
Today · 4.125%
HK$11,815
baseline
▲ 0.50% · 4.625%
HK$12,534
+HK$719/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,630/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$12,369
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,701
−HK$336/mo
Today · 4.125%
HK$13,037
baseline
▲ 0.50% · 4.625%
HK$13,724
+HK$687/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,074/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).