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$6,132
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,323
−HK$194/mo
Today · 4.125%
HK$6,517
baseline
▲ 0.50% · 4.625%
HK$6,913
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,034/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$6,822
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,005
−HK$186/mo
Today · 4.125%
HK$7,191
baseline
▲ 0.50% · 4.625%
HK$7,570
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,382/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$7,359
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,587
−HK$233/mo
Today · 4.125%
HK$7,820
baseline
▲ 0.50% · 4.625%
HK$8,296
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,640/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$8,186
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,406
−HK$223/mo
Today · 4.125%
HK$8,629
baseline
▲ 0.50% · 4.625%
HK$9,083
+HK$454/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,258/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$8,585
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,852
−HK$271/mo
Today · 4.125%
HK$9,123
baseline
▲ 0.50% · 4.625%
HK$9,678
+HK$555/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,246/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$9,551
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,807
−HK$260/mo
Today · 4.125%
HK$10,067
baseline
▲ 0.50% · 4.625%
HK$10,597
+HK$530/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,134/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$11,038
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,381
−HK$349/mo
Today · 4.125%
HK$11,730
baseline
▲ 0.50% · 4.625%
HK$12,444
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,460/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$12,280
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,609
−HK$334/mo
Today · 4.125%
HK$12,943
baseline
▲ 0.50% · 4.625%
HK$13,625
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,886/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).