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$6,172
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,364
−HK$195/mo
Today · 4.125%
HK$6,559
baseline
▲ 0.50% · 4.625%
HK$6,958
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,118/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$6,867
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,051
−HK$186/mo
Today · 4.125%
HK$7,237
baseline
▲ 0.50% · 4.625%
HK$7,619
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,474/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$7,407
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,637
−HK$234/mo
Today · 4.125%
HK$7,871
baseline
▲ 0.50% · 4.625%
HK$8,350
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,742/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$8,240
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,461
−HK$224/mo
Today · 4.125%
HK$8,685
baseline
▲ 0.50% · 4.625%
HK$9,143
+HK$458/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,370/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$8,641
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,910
−HK$273/mo
Today · 4.125%
HK$9,183
baseline
▲ 0.50% · 4.625%
HK$9,742
+HK$559/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$18,366/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,613
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,871
−HK$261/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$535/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$20,264/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,110
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,456
−HK$351/mo
Today · 4.125%
HK$11,807
baseline
▲ 0.50% · 4.625%
HK$12,525
+HK$718/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,614/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,360
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,691
−HK$336/mo
Today · 4.125%
HK$13,027
baseline
▲ 0.50% · 4.625%
HK$13,714
+HK$687/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,054/mo (50% DSR)
Upfront cash ≈ HK$271K (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).