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$6,144
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,335
−HK$194/mo
Today · 4.125%
HK$6,529
baseline
▲ 0.50% · 4.625%
HK$6,926
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,058/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$6,835
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,018
−HK$186/mo
Today · 4.125%
HK$7,204
baseline
▲ 0.50% · 4.625%
HK$7,584
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,408/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$7,372
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,602
−HK$233/mo
Today · 4.125%
HK$7,835
baseline
▲ 0.50% · 4.625%
HK$8,311
+HK$476/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,670/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$8,202
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,421
−HK$224/mo
Today · 4.125%
HK$8,645
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$455/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,290/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$8,601
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,868
−HK$272/mo
Today · 4.125%
HK$9,140
baseline
▲ 0.50% · 4.625%
HK$9,696
+HK$556/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$18,280/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,568
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$260/mo
Today · 4.125%
HK$10,085
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$532/mo
Deposit HK$808K · loan HK$1.89M · min. income ≈ HK$20,170/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,058
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,402
−HK$350/mo
Today · 4.125%
HK$11,752
baseline
▲ 0.50% · 4.625%
HK$12,467
+HK$715/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,504/mo (50% DSR)
Upfront cash ≈ HK$270K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,302
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,632
−HK$335/mo
Today · 4.125%
HK$12,967
baseline
▲ 0.50% · 4.625%
HK$13,650
+HK$683/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,934/mo (50% DSR)
Upfront cash ≈ HK$270K (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).