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$6,134
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,325
−HK$194/mo
Today · 4.125%
HK$6,519
baseline
▲ 0.50% · 4.625%
HK$6,916
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,038/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$6,824
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,007
−HK$186/mo
Today · 4.125%
HK$7,193
baseline
▲ 0.50% · 4.625%
HK$7,572
+HK$379/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,386/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$7,361
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,590
−HK$233/mo
Today · 4.125%
HK$7,823
baseline
▲ 0.50% · 4.625%
HK$8,299
+HK$476/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,646/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$8,189
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,409
−HK$223/mo
Today · 4.125%
HK$8,632
baseline
▲ 0.50% · 4.625%
HK$9,087
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,264/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$8,588
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$271/mo
Today · 4.125%
HK$9,126
baseline
▲ 0.50% · 4.625%
HK$9,682
+HK$556/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,252/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,554
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,810
−HK$260/mo
Today · 4.125%
HK$10,070
baseline
▲ 0.50% · 4.625%
HK$10,601
+HK$531/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,140/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,042
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,385
−HK$349/mo
Today · 4.125%
HK$11,734
baseline
▲ 0.50% · 4.625%
HK$12,448
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,468/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$12,284
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,613
−HK$334/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,630
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,894/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).