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$6,101
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,290
−HK$193/mo
Today · 4.125%
HK$6,483
baseline
▲ 0.50% · 4.625%
HK$6,878
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,966/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$6,787
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,969
−HK$184/mo
Today · 4.125%
HK$7,153
baseline
▲ 0.50% · 4.625%
HK$7,530
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,306/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$7,321
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,548
−HK$232/mo
Today · 4.125%
HK$7,780
baseline
▲ 0.50% · 4.625%
HK$8,253
+HK$473/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,560/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$8,144
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,363
−HK$221/mo
Today · 4.125%
HK$8,584
baseline
▲ 0.50% · 4.625%
HK$9,037
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,168/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$8,541
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,806
−HK$270/mo
Today · 4.125%
HK$9,076
baseline
▲ 0.50% · 4.625%
HK$9,629
+HK$553/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,152/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,501
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$259/mo
Today · 4.125%
HK$10,015
baseline
▲ 0.50% · 4.625%
HK$10,543
+HK$528/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,030/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,981
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,322
−HK$348/mo
Today · 4.125%
HK$11,670
baseline
▲ 0.50% · 4.625%
HK$12,380
+HK$710/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,340/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$12,216
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,544
−HK$332/mo
Today · 4.125%
HK$12,876
baseline
▲ 0.50% · 4.625%
HK$13,555
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,752/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).