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$6,144
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,336
−HK$194/mo
Today · 4.125%
HK$6,530
baseline
▲ 0.50% · 4.625%
HK$6,927
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,060/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$6,836
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,019
−HK$186/mo
Today · 4.125%
HK$7,205
baseline
▲ 0.50% · 4.625%
HK$7,585
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,410/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$7,373
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,603
−HK$233/mo
Today · 4.125%
HK$7,836
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$476/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,672/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$8,203
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,423
−HK$223/mo
Today · 4.125%
HK$8,646
baseline
▲ 0.50% · 4.625%
HK$9,102
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,292/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$8,602
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,870
−HK$272/mo
Today · 4.125%
HK$9,142
baseline
▲ 0.50% · 4.625%
HK$9,698
+HK$556/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$18,284/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,570
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,826
−HK$261/mo
Today · 4.125%
HK$10,087
baseline
▲ 0.50% · 4.625%
HK$10,618
+HK$531/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$20,174/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,060
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,404
−HK$349/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,469
+HK$716/mo
Deposit HK$269K · loan HK$2.43M · min. income ≈ HK$23,506/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$12,304
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$335/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$683/mo
Deposit HK$269K · loan HK$2.43M · min. income ≈ HK$25,938/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).