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$6,111
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,301
−HK$193/mo
Today · 4.125%
HK$6,494
baseline
▲ 0.50% · 4.625%
HK$6,889
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,988/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$6,798
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,980
−HK$185/mo
Today · 4.125%
HK$7,165
baseline
▲ 0.50% · 4.625%
HK$7,543
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,330/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$7,333
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,561
−HK$231/mo
Today · 4.125%
HK$7,792
baseline
▲ 0.50% · 4.625%
HK$8,267
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,584/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$8,158
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,376
−HK$222/mo
Today · 4.125%
HK$8,598
baseline
▲ 0.50% · 4.625%
HK$9,051
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,196/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$8,555
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,821
−HK$270/mo
Today · 4.125%
HK$9,091
baseline
▲ 0.50% · 4.625%
HK$9,644
+HK$553/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$18,182/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$9,517
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,772
−HK$259/mo
Today · 4.125%
HK$10,031
baseline
▲ 0.50% · 4.625%
HK$10,560
+HK$529/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$20,062/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$10,999
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,341
−HK$348/mo
Today · 4.125%
HK$11,689
baseline
▲ 0.50% · 4.625%
HK$12,400
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,378/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$12,236
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,564
−HK$333/mo
Today · 4.125%
HK$12,897
baseline
▲ 0.50% · 4.625%
HK$13,577
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,794/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).