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$6,115
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,305
−HK$193/mo
Today · 4.125%
HK$6,498
baseline
▲ 0.50% · 4.625%
HK$6,894
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,996/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,803
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,985
−HK$185/mo
Today · 4.125%
HK$7,170
baseline
▲ 0.50% · 4.625%
HK$7,548
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,340/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,338
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$232/mo
Today · 4.125%
HK$7,798
baseline
▲ 0.50% · 4.625%
HK$8,272
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,596/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,163
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,382
−HK$222/mo
Today · 4.125%
HK$8,604
baseline
▲ 0.50% · 4.625%
HK$9,058
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,208/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,561
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,827
−HK$270/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,651
+HK$554/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$18,194/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,524
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,779
−HK$259/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$529/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$20,076/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,006
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,349
−HK$348/mo
Today · 4.125%
HK$11,697
baseline
▲ 0.50% · 4.625%
HK$12,408
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,394/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,245
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$333/mo
Today · 4.125%
HK$12,906
baseline
▲ 0.50% · 4.625%
HK$13,586
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,812/mo (50% DSR)
Upfront cash ≈ HK$268K (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).