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$6,106
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,296
−HK$193/mo
Today · 4.125%
HK$6,489
baseline
▲ 0.50% · 4.625%
HK$6,884
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,978/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$6,793
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,975
−HK$185/mo
Today · 4.125%
HK$7,160
baseline
▲ 0.50% · 4.625%
HK$7,537
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,320/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$7,327
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,555
−HK$232/mo
Today · 4.125%
HK$7,787
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$473/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,574/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$8,151
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,370
−HK$222/mo
Today · 4.125%
HK$8,592
baseline
▲ 0.50% · 4.625%
HK$9,045
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,184/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$8,548
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,814
−HK$270/mo
Today · 4.125%
HK$9,084
baseline
▲ 0.50% · 4.625%
HK$9,637
+HK$553/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,168/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,510
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,765
−HK$259/mo
Today · 4.125%
HK$10,024
baseline
▲ 0.50% · 4.625%
HK$10,552
+HK$528/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,048/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,991
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,333
−HK$347/mo
Today · 4.125%
HK$11,680
baseline
▲ 0.50% · 4.625%
HK$12,391
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,360/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$12,227
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,555
−HK$333/mo
Today · 4.125%
HK$12,888
baseline
▲ 0.50% · 4.625%
HK$13,567
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,776/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).