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$6,103
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,293
−HK$192/mo
Today · 4.125%
HK$6,485
baseline
▲ 0.50% · 4.625%
HK$6,880
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,970/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$6,789
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,971
−HK$185/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,533
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,312/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$7,323
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,551
−HK$232/mo
Today · 4.125%
HK$7,783
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$473/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,566/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$8,147
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,366
−HK$221/mo
Today · 4.125%
HK$8,587
baseline
▲ 0.50% · 4.625%
HK$9,040
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,174/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$8,544
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,810
−HK$270/mo
Today · 4.125%
HK$9,080
baseline
▲ 0.50% · 4.625%
HK$9,632
+HK$552/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,160/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$9,505
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,760
−HK$258/mo
Today · 4.125%
HK$10,018
baseline
▲ 0.50% · 4.625%
HK$10,547
+HK$529/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,036/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$10,985
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,327
−HK$347/mo
Today · 4.125%
HK$11,674
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$710/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,348/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$12,221
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,548
−HK$333/mo
Today · 4.125%
HK$12,881
baseline
▲ 0.50% · 4.625%
HK$13,560
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,762/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).