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$6,123
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,313
−HK$194/mo
Today · 4.125%
HK$6,507
baseline
▲ 0.50% · 4.625%
HK$6,903
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,014/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$6,811
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,994
−HK$185/mo
Today · 4.125%
HK$7,179
baseline
▲ 0.50% · 4.625%
HK$7,558
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,358/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$7,347
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,576
−HK$232/mo
Today · 4.125%
HK$7,808
baseline
▲ 0.50% · 4.625%
HK$8,283
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,616/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$8,174
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,393
−HK$222/mo
Today · 4.125%
HK$8,615
baseline
▲ 0.50% · 4.625%
HK$9,070
+HK$455/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,230/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$8,572
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,838
−HK$271/mo
Today · 4.125%
HK$9,109
baseline
▲ 0.50% · 4.625%
HK$9,664
+HK$555/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,218/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,536
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,792
−HK$259/mo
Today · 4.125%
HK$10,051
baseline
▲ 0.50% · 4.625%
HK$10,581
+HK$530/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,102/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,021
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,364
−HK$348/mo
Today · 4.125%
HK$11,712
baseline
▲ 0.50% · 4.625%
HK$12,425
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,424/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$12,261
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,589
−HK$334/mo
Today · 4.125%
HK$12,923
baseline
▲ 0.50% · 4.625%
HK$13,604
+HK$681/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,846/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).