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$6,102
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,291
−HK$193/mo
Today · 4.125%
HK$6,484
baseline
▲ 0.50% · 4.625%
HK$6,879
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,968/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$6,788
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,970
−HK$185/mo
Today · 4.125%
HK$7,155
baseline
▲ 0.50% · 4.625%
HK$7,532
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,310/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$7,322
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,550
−HK$231/mo
Today · 4.125%
HK$7,781
baseline
▲ 0.50% · 4.625%
HK$8,254
+HK$473/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,562/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$8,145
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,364
−HK$222/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,038
+HK$452/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,172/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$8,542
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,808
−HK$270/mo
Today · 4.125%
HK$9,078
baseline
▲ 0.50% · 4.625%
HK$9,630
+HK$552/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,156/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,503
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,758
−HK$258/mo
Today · 4.125%
HK$10,016
baseline
▲ 0.50% · 4.625%
HK$10,544
+HK$528/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,032/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,983
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,324
−HK$347/mo
Today · 4.125%
HK$11,671
baseline
▲ 0.50% · 4.625%
HK$12,382
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,342/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$12,218
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,546
−HK$332/mo
Today · 4.125%
HK$12,878
baseline
▲ 0.50% · 4.625%
HK$13,557
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,756/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).