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$6,133
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,324
−HK$194/mo
Today · 4.125%
HK$6,518
baseline
▲ 0.50% · 4.625%
HK$6,914
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,036/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$6,823
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,006
−HK$186/mo
Today · 4.125%
HK$7,192
baseline
▲ 0.50% · 4.625%
HK$7,571
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,384/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$7,360
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,589
−HK$232/mo
Today · 4.125%
HK$7,821
baseline
▲ 0.50% · 4.625%
HK$8,297
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,642/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$8,188
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,407
−HK$223/mo
Today · 4.125%
HK$8,630
baseline
▲ 0.50% · 4.625%
HK$9,085
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,260/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$8,587
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,854
−HK$271/mo
Today · 4.125%
HK$9,125
baseline
▲ 0.50% · 4.625%
HK$9,680
+HK$555/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,250/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,552
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,809
−HK$260/mo
Today · 4.125%
HK$10,069
baseline
▲ 0.50% · 4.625%
HK$10,599
+HK$530/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,138/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,040
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$349/mo
Today · 4.125%
HK$11,732
baseline
▲ 0.50% · 4.625%
HK$12,446
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,464/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,282
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,611
−HK$334/mo
Today · 4.125%
HK$12,945
baseline
▲ 0.50% · 4.625%
HK$13,628
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,890/mo (50% DSR)
Upfront cash ≈ HK$269K (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).