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$6,126
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,317
−HK$194/mo
Today · 4.125%
HK$6,511
baseline
▲ 0.50% · 4.625%
HK$6,907
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,022/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$6,815
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$186/mo
Today · 4.125%
HK$7,184
baseline
▲ 0.50% · 4.625%
HK$7,562
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,368/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$7,352
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,580
−HK$233/mo
Today · 4.125%
HK$7,813
baseline
▲ 0.50% · 4.625%
HK$8,288
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,626/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$8,179
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,398
−HK$222/mo
Today · 4.125%
HK$8,620
baseline
▲ 0.50% · 4.625%
HK$9,075
+HK$455/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,240/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$8,577
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,844
−HK$271/mo
Today · 4.125%
HK$9,115
baseline
▲ 0.50% · 4.625%
HK$9,669
+HK$554/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,230/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$9,542
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,798
−HK$259/mo
Today · 4.125%
HK$10,057
baseline
▲ 0.50% · 4.625%
HK$10,587
+HK$530/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,114/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$11,027
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$349/mo
Today · 4.125%
HK$11,719
baseline
▲ 0.50% · 4.625%
HK$12,432
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,438/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$12,268
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,597
−HK$334/mo
Today · 4.125%
HK$12,931
baseline
▲ 0.50% · 4.625%
HK$13,612
+HK$681/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,862/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).