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$6,096
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,286
−HK$193/mo
Today · 4.125%
HK$6,479
baseline
▲ 0.50% · 4.625%
HK$6,873
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,958/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$6,782
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,964
−HK$185/mo
Today · 4.125%
HK$7,149
baseline
▲ 0.50% · 4.625%
HK$7,525
+HK$376/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,298/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$7,316
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,543
−HK$231/mo
Today · 4.125%
HK$7,774
baseline
▲ 0.50% · 4.625%
HK$8,247
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,548/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$8,139
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,357
−HK$221/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,030
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,156/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$8,535
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,800
−HK$270/mo
Today · 4.125%
HK$9,070
baseline
▲ 0.50% · 4.625%
HK$9,622
+HK$552/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,140/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,495
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,750
−HK$258/mo
Today · 4.125%
HK$10,008
baseline
▲ 0.50% · 4.625%
HK$10,535
+HK$527/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,016/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,973
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$346/mo
Today · 4.125%
HK$11,661
baseline
▲ 0.50% · 4.625%
HK$12,371
+HK$710/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$23,322/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,208
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$332/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$679/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$25,734/mo (50% DSR)
Upfront cash ≈ HK$267K (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).