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$6,161
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,353
−HK$195/mo
Today · 4.125%
HK$6,548
baseline
▲ 0.50% · 4.625%
HK$6,946
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,096/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,854
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,038
−HK$187/mo
Today · 4.125%
HK$7,225
baseline
▲ 0.50% · 4.625%
HK$7,605
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,450/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,393
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,623
−HK$234/mo
Today · 4.125%
HK$7,857
baseline
▲ 0.50% · 4.625%
HK$8,335
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,714/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$8,225
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,446
−HK$224/mo
Today · 4.125%
HK$8,670
baseline
▲ 0.50% · 4.625%
HK$9,126
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,340/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$8,626
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,894
−HK$273/mo
Today · 4.125%
HK$9,167
baseline
▲ 0.50% · 4.625%
HK$9,724
+HK$557/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$18,334/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,596
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,853
−HK$261/mo
Today · 4.125%
HK$10,114
baseline
▲ 0.50% · 4.625%
HK$10,648
+HK$534/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$20,228/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,090
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,435
−HK$351/mo
Today · 4.125%
HK$11,786
baseline
▲ 0.50% · 4.625%
HK$12,503
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,572/mo (50% DSR)
Upfront cash ≈ HK$270K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,338
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,669
−HK$335/mo
Today · 4.125%
HK$13,004
baseline
▲ 0.50% · 4.625%
HK$13,690
+HK$686/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,008/mo (50% DSR)
Upfront cash ≈ HK$270K (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).