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$6,112
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,302
−HK$194/mo
Today · 4.125%
HK$6,496
baseline
▲ 0.50% · 4.625%
HK$6,891
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,992/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$6,800
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,982
−HK$185/mo
Today · 4.125%
HK$7,167
baseline
▲ 0.50% · 4.625%
HK$7,545
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,334/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$7,335
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,563
−HK$232/mo
Today · 4.125%
HK$7,795
baseline
▲ 0.50% · 4.625%
HK$8,269
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,590/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$8,160
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,379
−HK$222/mo
Today · 4.125%
HK$8,601
baseline
▲ 0.50% · 4.625%
HK$9,054
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,202/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$8,557
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,823
−HK$271/mo
Today · 4.125%
HK$9,094
baseline
▲ 0.50% · 4.625%
HK$9,647
+HK$553/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$18,188/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,520
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,775
−HK$259/mo
Today · 4.125%
HK$10,034
baseline
▲ 0.50% · 4.625%
HK$10,563
+HK$529/mo
Deposit HK$804K · loan HK$1.88M · min. income ≈ HK$20,068/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,002
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,344
−HK$348/mo
Today · 4.125%
HK$11,692
baseline
▲ 0.50% · 4.625%
HK$12,404
+HK$712/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,384/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,240
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,568
−HK$333/mo
Today · 4.125%
HK$12,901
baseline
▲ 0.50% · 4.625%
HK$13,581
+HK$680/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,802/mo (50% DSR)
Upfront cash ≈ HK$268K (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).