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$6,108
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,298
−HK$193/mo
Today · 4.125%
HK$6,491
baseline
▲ 0.50% · 4.625%
HK$6,886
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,982/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$6,796
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,978
−HK$185/mo
Today · 4.125%
HK$7,163
baseline
▲ 0.50% · 4.625%
HK$7,540
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,326/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$7,330
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,558
−HK$232/mo
Today · 4.125%
HK$7,790
baseline
▲ 0.50% · 4.625%
HK$8,264
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,580/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$8,155
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,373
−HK$222/mo
Today · 4.125%
HK$8,595
baseline
▲ 0.50% · 4.625%
HK$9,048
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,190/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$8,552
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,818
−HK$270/mo
Today · 4.125%
HK$9,088
baseline
▲ 0.50% · 4.625%
HK$9,641
+HK$553/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$18,176/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,514
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,769
−HK$259/mo
Today · 4.125%
HK$10,028
baseline
▲ 0.50% · 4.625%
HK$10,556
+HK$528/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$20,056/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,995
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,337
−HK$348/mo
Today · 4.125%
HK$11,685
baseline
▲ 0.50% · 4.625%
HK$12,396
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,370/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$12,232
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,560
−HK$333/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,572
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,786/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).