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$6,128
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,319
−HK$194/mo
Today · 4.125%
HK$6,513
baseline
▲ 0.50% · 4.625%
HK$6,909
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,026/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$6,818
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,001
−HK$185/mo
Today · 4.125%
HK$7,186
baseline
▲ 0.50% · 4.625%
HK$7,565
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,372/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$7,354
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,583
−HK$232/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,291
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,630/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$8,181
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,401
−HK$222/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,078
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,246/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$8,580
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,847
−HK$271/mo
Today · 4.125%
HK$9,118
baseline
▲ 0.50% · 4.625%
HK$9,673
+HK$555/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,236/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$9,545
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,801
−HK$260/mo
Today · 4.125%
HK$10,061
baseline
▲ 0.50% · 4.625%
HK$10,591
+HK$530/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,122/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$11,031
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,374
−HK$349/mo
Today · 4.125%
HK$11,723
baseline
▲ 0.50% · 4.625%
HK$12,436
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,446/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$12,272
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,601
−HK$334/mo
Today · 4.125%
HK$12,935
baseline
▲ 0.50% · 4.625%
HK$13,617
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,870/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).