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$6,168
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,360
−HK$195/mo
Today · 4.125%
HK$6,555
baseline
▲ 0.50% · 4.625%
HK$6,953
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,110/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$6,862
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,046
−HK$186/mo
Today · 4.125%
HK$7,232
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,464/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$7,401
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,632
−HK$234/mo
Today · 4.125%
HK$7,866
baseline
▲ 0.50% · 4.625%
HK$8,344
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,732/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$8,234
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,455
−HK$224/mo
Today · 4.125%
HK$8,679
baseline
▲ 0.50% · 4.625%
HK$9,136
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,358/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$8,635
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,904
−HK$272/mo
Today · 4.125%
HK$9,176
baseline
▲ 0.50% · 4.625%
HK$9,735
+HK$559/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$18,352/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,606
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,864
−HK$261/mo
Today · 4.125%
HK$10,125
baseline
▲ 0.50% · 4.625%
HK$10,659
+HK$534/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$20,250/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,102
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,447
−HK$351/mo
Today · 4.125%
HK$11,798
baseline
▲ 0.50% · 4.625%
HK$12,516
+HK$718/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,596/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,351
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$336/mo
Today · 4.125%
HK$13,018
baseline
▲ 0.50% · 4.625%
HK$13,705
+HK$687/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,036/mo (50% DSR)
Upfront cash ≈ HK$271K (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).