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$6,141
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,332
−HK$194/mo
Today · 4.125%
HK$6,526
baseline
▲ 0.50% · 4.625%
HK$6,923
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,052/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$6,831
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,015
−HK$185/mo
Today · 4.125%
HK$7,200
baseline
▲ 0.50% · 4.625%
HK$7,580
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,400/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$7,369
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,598
−HK$233/mo
Today · 4.125%
HK$7,831
baseline
▲ 0.50% · 4.625%
HK$8,307
+HK$476/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,662/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$8,198
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,418
−HK$223/mo
Today · 4.125%
HK$8,641
baseline
▲ 0.50% · 4.625%
HK$9,096
+HK$455/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,282/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$8,597
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,864
−HK$272/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,692
+HK$556/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$18,272/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,564
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,820
−HK$261/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,612
+HK$531/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$20,162/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,053
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,397
−HK$349/mo
Today · 4.125%
HK$11,746
baseline
▲ 0.50% · 4.625%
HK$12,461
+HK$715/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,492/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$12,297
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,626
−HK$335/mo
Today · 4.125%
HK$12,961
baseline
▲ 0.50% · 4.625%
HK$13,644
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,922/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).