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$6,157
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,348
−HK$195/mo
Today · 4.125%
HK$6,543
baseline
▲ 0.50% · 4.625%
HK$6,941
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,086/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$6,849
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,033
−HK$186/mo
Today · 4.125%
HK$7,219
baseline
▲ 0.50% · 4.625%
HK$7,600
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,438/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$7,388
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,618
−HK$233/mo
Today · 4.125%
HK$7,851
baseline
▲ 0.50% · 4.625%
HK$8,329
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,702/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$8,219
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,440
−HK$223/mo
Today · 4.125%
HK$8,663
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,326/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$8,619
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,888
−HK$272/mo
Today · 4.125%
HK$9,160
baseline
▲ 0.50% · 4.625%
HK$9,717
+HK$557/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$18,320/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,589
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$261/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,640
+HK$533/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$20,214/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,082
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$350/mo
Today · 4.125%
HK$11,777
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,554/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$12,329
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,659
−HK$336/mo
Today · 4.125%
HK$12,995
baseline
▲ 0.50% · 4.625%
HK$13,680
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,990/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).