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$6,122
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,312
−HK$194/mo
Today · 4.125%
HK$6,506
baseline
▲ 0.50% · 4.625%
HK$6,901
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,012/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$6,810
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$185/mo
Today · 4.125%
HK$7,178
baseline
▲ 0.50% · 4.625%
HK$7,557
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,356/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$7,346
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,575
−HK$232/mo
Today · 4.125%
HK$7,807
baseline
▲ 0.50% · 4.625%
HK$8,282
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,614/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$8,172
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,392
−HK$222/mo
Today · 4.125%
HK$8,614
baseline
▲ 0.50% · 4.625%
HK$9,068
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,228/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$8,570
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,837
−HK$271/mo
Today · 4.125%
HK$9,108
baseline
▲ 0.50% · 4.625%
HK$9,662
+HK$554/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,216/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,534
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,790
−HK$260/mo
Today · 4.125%
HK$10,050
baseline
▲ 0.50% · 4.625%
HK$10,579
+HK$529/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,100/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,019
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,362
−HK$348/mo
Today · 4.125%
HK$11,710
baseline
▲ 0.50% · 4.625%
HK$12,423
+HK$713/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$23,420/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,259
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,587
−HK$334/mo
Today · 4.125%
HK$12,921
baseline
▲ 0.50% · 4.625%
HK$13,602
+HK$681/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$25,842/mo (50% DSR)
Upfront cash ≈ HK$269K (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).