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$6,105
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,295
−HK$193/mo
Today · 4.125%
HK$6,488
baseline
▲ 0.50% · 4.625%
HK$6,883
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,976/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$6,792
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,974
−HK$185/mo
Today · 4.125%
HK$7,159
baseline
▲ 0.50% · 4.625%
HK$7,536
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,318/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$7,326
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,554
−HK$232/mo
Today · 4.125%
HK$7,786
baseline
▲ 0.50% · 4.625%
HK$8,259
+HK$473/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,572/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$8,150
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,369
−HK$222/mo
Today · 4.125%
HK$8,591
baseline
▲ 0.50% · 4.625%
HK$9,043
+HK$452/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,182/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$8,547
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,813
−HK$270/mo
Today · 4.125%
HK$9,083
baseline
▲ 0.50% · 4.625%
HK$9,636
+HK$553/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,166/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$9,509
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,764
−HK$258/mo
Today · 4.125%
HK$10,022
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$529/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,044/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$10,989
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$347/mo
Today · 4.125%
HK$11,678
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,356/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$12,225
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,553
−HK$333/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,565
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,772/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).