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$6,175
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,367
−HK$195/mo
Today · 4.125%
HK$6,562
baseline
▲ 0.50% · 4.625%
HK$6,962
+HK$400/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,124/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$6,870
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,054
−HK$187/mo
Today · 4.125%
HK$7,241
baseline
▲ 0.50% · 4.625%
HK$7,623
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,482/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$7,410
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,641
−HK$234/mo
Today · 4.125%
HK$7,875
baseline
▲ 0.50% · 4.625%
HK$8,354
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,750/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$8,244
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,465
−HK$224/mo
Today · 4.125%
HK$8,689
baseline
▲ 0.50% · 4.625%
HK$9,147
+HK$458/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,378/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$8,645
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,914
−HK$273/mo
Today · 4.125%
HK$9,187
baseline
▲ 0.50% · 4.625%
HK$9,746
+HK$559/mo
Deposit HK$812K · loan HK$1.90M · min. income ≈ HK$18,374/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,618
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,876
−HK$261/mo
Today · 4.125%
HK$10,137
baseline
▲ 0.50% · 4.625%
HK$10,672
+HK$535/mo
Deposit HK$812K · loan HK$1.90M · min. income ≈ HK$20,274/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,115
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,461
−HK$351/mo
Today · 4.125%
HK$11,812
baseline
▲ 0.50% · 4.625%
HK$12,531
+HK$719/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,624/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,366
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,697
−HK$337/mo
Today · 4.125%
HK$13,034
baseline
▲ 0.50% · 4.625%
HK$13,721
+HK$687/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,068/mo (50% DSR)
Upfront cash ≈ HK$271K (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).