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$6,139
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,330
−HK$194/mo
Today · 4.125%
HK$6,524
baseline
▲ 0.50% · 4.625%
HK$6,920
+HK$396/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,048/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$6,829
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,012
−HK$186/mo
Today · 4.125%
HK$7,198
baseline
▲ 0.50% · 4.625%
HK$7,577
+HK$379/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,396/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$7,366
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,595
−HK$233/mo
Today · 4.125%
HK$7,828
baseline
▲ 0.50% · 4.625%
HK$8,305
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,656/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$8,195
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,415
−HK$223/mo
Today · 4.125%
HK$8,638
baseline
▲ 0.50% · 4.625%
HK$9,093
+HK$455/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,276/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$8,594
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,861
−HK$272/mo
Today · 4.125%
HK$9,133
baseline
▲ 0.50% · 4.625%
HK$9,689
+HK$556/mo
Deposit HK$808K · loan HK$1.88M · min. income ≈ HK$18,266/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$9,561
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,817
−HK$260/mo
Today · 4.125%
HK$10,077
baseline
▲ 0.50% · 4.625%
HK$10,608
+HK$531/mo
Deposit HK$808K · loan HK$1.88M · min. income ≈ HK$20,154/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$11,049
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,393
−HK$349/mo
Today · 4.125%
HK$11,742
baseline
▲ 0.50% · 4.625%
HK$12,457
+HK$715/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,484/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$12,292
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,622
−HK$335/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,639
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,914/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).