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$6,126
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,316
−HK$194/mo
Today · 4.125%
HK$6,510
baseline
▲ 0.50% · 4.625%
HK$6,906
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,020/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$6,815
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$185/mo
Today · 4.125%
HK$7,183
baseline
▲ 0.50% · 4.625%
HK$7,562
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,366/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$7,351
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,580
−HK$232/mo
Today · 4.125%
HK$7,812
baseline
▲ 0.50% · 4.625%
HK$8,287
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,624/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$8,178
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,397
−HK$223/mo
Today · 4.125%
HK$8,620
baseline
▲ 0.50% · 4.625%
HK$9,074
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,240/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$8,576
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,843
−HK$271/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,669
+HK$555/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,228/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,541
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,797
−HK$259/mo
Today · 4.125%
HK$10,056
baseline
▲ 0.50% · 4.625%
HK$10,586
+HK$530/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,112/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,027
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$348/mo
Today · 4.125%
HK$11,718
baseline
▲ 0.50% · 4.625%
HK$12,431
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,436/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$12,267
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,596
−HK$334/mo
Today · 4.125%
HK$12,930
baseline
▲ 0.50% · 4.625%
HK$13,611
+HK$681/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,860/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).