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$368/mo
▼ 0.25% · 3.875%
HK$6,981
−HK$185/mo
Today · 4.125%
HK$7,166
baseline
▲ 0.50% · 4.625%
HK$7,543
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,332/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$460/mo
▼ 0.25% · 3.875%
HK$7,561
−HK$232/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,267
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,586/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$441/mo
▼ 0.25% · 3.875%
HK$8,377
−HK$222/mo
Today · 4.125%
HK$8,599
baseline
▲ 0.50% · 4.625%
HK$9,052
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,198/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$537/mo
▼ 0.25% · 3.875%
HK$8,821
−HK$271/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,645
+HK$553/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$18,184/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$9,518
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,773
−HK$259/mo
Today · 4.125%
HK$10,032
baseline
▲ 0.50% · 4.625%
HK$10,561
+HK$529/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$20,064/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$11,000
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,342
−HK$348/mo
Today · 4.125%
HK$11,690
baseline
▲ 0.50% · 4.625%
HK$12,401
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,380/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$12,237
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,565
−HK$333/mo
Today · 4.125%
HK$12,898
baseline
▲ 0.50% · 4.625%
HK$13,578
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,796/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).