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$6,114
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,304
−HK$193/mo
Today · 4.125%
HK$6,497
baseline
▲ 0.50% · 4.625%
HK$6,893
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,994/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$6,802
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,984
−HK$185/mo
Today · 4.125%
HK$7,169
baseline
▲ 0.50% · 4.625%
HK$7,547
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,338/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$7,337
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,565
−HK$232/mo
Today · 4.125%
HK$7,797
baseline
▲ 0.50% · 4.625%
HK$8,271
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,594/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$8,162
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,381
−HK$222/mo
Today · 4.125%
HK$8,603
baseline
▲ 0.50% · 4.625%
HK$9,057
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,206/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$8,560
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,826
−HK$270/mo
Today · 4.125%
HK$9,096
baseline
▲ 0.50% · 4.625%
HK$9,650
+HK$554/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$18,192/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$9,522
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,778
−HK$259/mo
Today · 4.125%
HK$10,037
baseline
▲ 0.50% · 4.625%
HK$10,566
+HK$529/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$20,074/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$11,005
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$347/mo
Today · 4.125%
HK$11,695
baseline
▲ 0.50% · 4.625%
HK$12,407
+HK$712/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,390/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$12,243
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$333/mo
Today · 4.125%
HK$12,905
baseline
▲ 0.50% · 4.625%
HK$13,585
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,810/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).