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$6,130
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,321
−HK$194/mo
Today · 4.125%
HK$6,515
baseline
▲ 0.50% · 4.625%
HK$6,911
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,030/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$6,820
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$185/mo
Today · 4.125%
HK$7,188
baseline
▲ 0.50% · 4.625%
HK$7,567
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,376/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$7,356
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,585
−HK$233/mo
Today · 4.125%
HK$7,818
baseline
▲ 0.50% · 4.625%
HK$8,293
+HK$475/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,636/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$8,184
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,403
−HK$223/mo
Today · 4.125%
HK$8,626
baseline
▲ 0.50% · 4.625%
HK$9,081
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,252/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$8,582
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,849
−HK$271/mo
Today · 4.125%
HK$9,120
baseline
▲ 0.50% · 4.625%
HK$9,675
+HK$555/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,240/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$9,548
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,804
−HK$260/mo
Today · 4.125%
HK$10,064
baseline
▲ 0.50% · 4.625%
HK$10,594
+HK$530/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,128/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$11,034
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,378
−HK$348/mo
Today · 4.125%
HK$11,726
baseline
▲ 0.50% · 4.625%
HK$12,440
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,452/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$12,276
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$334/mo
Today · 4.125%
HK$12,939
baseline
▲ 0.50% · 4.625%
HK$13,621
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,878/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).