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$6,124
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,315
−HK$193/mo
Today · 4.125%
HK$6,508
baseline
▲ 0.50% · 4.625%
HK$6,904
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,016/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$6,813
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,996
−HK$185/mo
Today · 4.125%
HK$7,181
baseline
▲ 0.50% · 4.625%
HK$7,560
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,362/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$7,349
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,578
−HK$232/mo
Today · 4.125%
HK$7,810
baseline
▲ 0.50% · 4.625%
HK$8,285
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,620/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$8,176
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,395
−HK$223/mo
Today · 4.125%
HK$8,618
baseline
▲ 0.50% · 4.625%
HK$9,072
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,236/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$8,574
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,841
−HK$271/mo
Today · 4.125%
HK$9,112
baseline
▲ 0.50% · 4.625%
HK$9,666
+HK$554/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,224/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$9,539
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,794
−HK$260/mo
Today · 4.125%
HK$10,054
baseline
▲ 0.50% · 4.625%
HK$10,584
+HK$530/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,108/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$11,024
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$348/mo
Today · 4.125%
HK$11,715
baseline
▲ 0.50% · 4.625%
HK$12,428
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,430/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$12,264
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,593
−HK$333/mo
Today · 4.125%
HK$12,926
baseline
▲ 0.50% · 4.625%
HK$13,608
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,852/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).