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$6,134
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,325
−HK$194/mo
Today · 4.125%
HK$6,519
baseline
▲ 0.50% · 4.625%
HK$6,915
+HK$396/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,038/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,824
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,007
−HK$186/mo
Today · 4.125%
HK$7,193
baseline
▲ 0.50% · 4.625%
HK$7,572
+HK$379/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,386/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,361
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,590
−HK$232/mo
Today · 4.125%
HK$7,822
baseline
▲ 0.50% · 4.625%
HK$8,298
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,644/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,189
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,408
−HK$223/mo
Today · 4.125%
HK$8,631
baseline
▲ 0.50% · 4.625%
HK$9,086
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,262/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,587
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$271/mo
Today · 4.125%
HK$9,126
baseline
▲ 0.50% · 4.625%
HK$9,681
+HK$555/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,252/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,553
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,810
−HK$260/mo
Today · 4.125%
HK$10,070
baseline
▲ 0.50% · 4.625%
HK$10,600
+HK$530/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,140/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,041
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,384
−HK$349/mo
Today · 4.125%
HK$11,733
baseline
▲ 0.50% · 4.625%
HK$12,447
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,466/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$12,283
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,612
−HK$335/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,629
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,894/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).