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$6,109
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,299
−HK$193/mo
Today · 4.125%
HK$6,492
baseline
▲ 0.50% · 4.625%
HK$6,887
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,984/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$6,796
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,979
−HK$185/mo
Today · 4.125%
HK$7,164
baseline
▲ 0.50% · 4.625%
HK$7,541
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,328/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$7,331
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,559
−HK$232/mo
Today · 4.125%
HK$7,791
baseline
▲ 0.50% · 4.625%
HK$8,265
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,582/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$8,156
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,374
−HK$222/mo
Today · 4.125%
HK$8,596
baseline
▲ 0.50% · 4.625%
HK$9,049
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,192/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$8,553
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,819
−HK$270/mo
Today · 4.125%
HK$9,089
baseline
▲ 0.50% · 4.625%
HK$9,642
+HK$553/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$18,178/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,515
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,770
−HK$259/mo
Today · 4.125%
HK$10,029
baseline
▲ 0.50% · 4.625%
HK$10,558
+HK$529/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$20,058/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,996
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,338
−HK$348/mo
Today · 4.125%
HK$11,686
baseline
▲ 0.50% · 4.625%
HK$12,397
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,372/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,233
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,562
−HK$332/mo
Today · 4.125%
HK$12,894
baseline
▲ 0.50% · 4.625%
HK$13,574
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,788/mo (50% DSR)
Upfront cash ≈ HK$268K (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).