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$6,129
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,320
−HK$194/mo
Today · 4.125%
HK$6,514
baseline
▲ 0.50% · 4.625%
HK$6,910
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,028/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$6,819
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,002
−HK$185/mo
Today · 4.125%
HK$7,187
baseline
▲ 0.50% · 4.625%
HK$7,566
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,374/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$7,355
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,584
−HK$232/mo
Today · 4.125%
HK$7,816
baseline
▲ 0.50% · 4.625%
HK$8,292
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,632/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$8,183
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,402
−HK$223/mo
Today · 4.125%
HK$8,625
baseline
▲ 0.50% · 4.625%
HK$9,079
+HK$454/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,250/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$8,581
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,848
−HK$271/mo
Today · 4.125%
HK$9,119
baseline
▲ 0.50% · 4.625%
HK$9,674
+HK$555/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,238/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,546
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$260/mo
Today · 4.125%
HK$10,062
baseline
▲ 0.50% · 4.625%
HK$10,592
+HK$530/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,124/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,033
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,376
−HK$349/mo
Today · 4.125%
HK$11,725
baseline
▲ 0.50% · 4.625%
HK$12,438
+HK$713/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,450/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,274
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,603
−HK$334/mo
Today · 4.125%
HK$12,937
baseline
▲ 0.50% · 4.625%
HK$13,619
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,874/mo (50% DSR)
Upfront cash ≈ HK$269K (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).