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$6,178
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,370
−HK$195/mo
Today · 4.125%
HK$6,565
baseline
▲ 0.50% · 4.625%
HK$6,965
+HK$400/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,130/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$6,873
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,057
−HK$187/mo
Today · 4.125%
HK$7,244
baseline
▲ 0.50% · 4.625%
HK$7,626
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,488/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$7,413
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,644
−HK$234/mo
Today · 4.125%
HK$7,878
baseline
▲ 0.50% · 4.625%
HK$8,358
+HK$480/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,756/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$8,247
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,468
−HK$225/mo
Today · 4.125%
HK$8,693
baseline
▲ 0.50% · 4.625%
HK$9,151
+HK$458/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,386/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$8,649
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,918
−HK$273/mo
Today · 4.125%
HK$9,191
baseline
▲ 0.50% · 4.625%
HK$9,750
+HK$559/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$18,382/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$9,622
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,880
−HK$262/mo
Today · 4.125%
HK$10,142
baseline
▲ 0.50% · 4.625%
HK$10,676
+HK$534/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$20,284/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$11,120
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$351/mo
Today · 4.125%
HK$11,817
baseline
▲ 0.50% · 4.625%
HK$12,536
+HK$719/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,634/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$12,371
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,703
−HK$336/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,727
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,078/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).