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$6,095
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,284
−HK$193/mo
Today · 4.125%
HK$6,477
baseline
▲ 0.50% · 4.625%
HK$6,871
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,954/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$6,780
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,962
−HK$185/mo
Today · 4.125%
HK$7,147
baseline
▲ 0.50% · 4.625%
HK$7,523
+HK$376/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,294/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$7,314
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,541
−HK$231/mo
Today · 4.125%
HK$7,772
baseline
▲ 0.50% · 4.625%
HK$8,245
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,544/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$8,136
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,355
−HK$221/mo
Today · 4.125%
HK$8,576
baseline
▲ 0.50% · 4.625%
HK$9,028
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,152/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$8,533
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,798
−HK$270/mo
Today · 4.125%
HK$9,068
baseline
▲ 0.50% · 4.625%
HK$9,619
+HK$551/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,136/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,492
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,747
−HK$258/mo
Today · 4.125%
HK$10,005
baseline
▲ 0.50% · 4.625%
HK$10,533
+HK$528/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,010/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,970
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,312
−HK$346/mo
Today · 4.125%
HK$11,658
baseline
▲ 0.50% · 4.625%
HK$12,368
+HK$710/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$23,316/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,205
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,532
−HK$332/mo
Today · 4.125%
HK$12,864
baseline
▲ 0.50% · 4.625%
HK$13,542
+HK$678/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$25,728/mo (50% DSR)
Upfront cash ≈ HK$267K (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).