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$388/mo
▼ 0.25% · 3.875%
HK$6,368
−HK$195/mo
Today · 4.125%
HK$6,563
baseline
▲ 0.50% · 4.625%
HK$6,962
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,126/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$7,411
−HK$464/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$446/mo
▼ 0.25% · 3.875%
HK$8,465
−HK$225/mo
Today · 4.125%
HK$8,690
baseline
▲ 0.50% · 4.625%
HK$9,148
+HK$458/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,380/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$8,646
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$273/mo
Today · 4.125%
HK$9,188
baseline
▲ 0.50% · 4.625%
HK$9,747
+HK$559/mo
Deposit HK$812K · loan HK$1.90M · min. income ≈ HK$18,376/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$520/mo
▼ 0.25% · 3.875%
HK$9,876
−HK$262/mo
Today · 4.125%
HK$10,138
baseline
▲ 0.50% · 4.625%
HK$10,672
+HK$534/mo
Deposit HK$812K · loan HK$1.90M · min. income ≈ HK$20,276/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$11,116
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$351/mo
Today · 4.125%
HK$11,813
baseline
▲ 0.50% · 4.625%
HK$12,532
+HK$719/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,626/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$12,698
−HK$336/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).