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$382/mo
▼ 0.25% · 3.875%
HK$6,294
−HK$193/mo
Today · 4.125%
HK$6,487
baseline
▲ 0.50% · 4.625%
HK$6,882
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,974/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$6,791
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,973
−HK$185/mo
Today · 4.125%
HK$7,158
baseline
▲ 0.50% · 4.625%
HK$7,535
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,316/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$7,325
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,553
−HK$232/mo
Today · 4.125%
HK$7,785
baseline
▲ 0.50% · 4.625%
HK$8,259
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,570/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$8,149
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,368
−HK$222/mo
Today · 4.125%
HK$8,590
baseline
▲ 0.50% · 4.625%
HK$9,043
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,180/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$8,546
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,812
−HK$270/mo
Today · 4.125%
HK$9,082
baseline
▲ 0.50% · 4.625%
HK$9,635
+HK$553/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,164/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$9,508
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,763
−HK$258/mo
Today · 4.125%
HK$10,021
baseline
▲ 0.50% · 4.625%
HK$10,550
+HK$529/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,042/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$10,988
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,330
−HK$347/mo
Today · 4.125%
HK$11,677
baseline
▲ 0.50% · 4.625%
HK$12,388
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,354/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$12,224
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,552
−HK$333/mo
Today · 4.125%
HK$12,885
baseline
▲ 0.50% · 4.625%
HK$13,564
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,770/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).