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$6,179
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,371
−HK$195/mo
Today · 4.125%
HK$6,566
baseline
▲ 0.50% · 4.625%
HK$6,966
+HK$400/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,132/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$6,874
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,058
−HK$187/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,627
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,490/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$7,415
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,645
−HK$235/mo
Today · 4.125%
HK$7,880
baseline
▲ 0.50% · 4.625%
HK$8,359
+HK$479/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,760/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$8,249
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,470
−HK$225/mo
Today · 4.125%
HK$8,695
baseline
▲ 0.50% · 4.625%
HK$9,153
+HK$458/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,390/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$8,651
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,920
−HK$273/mo
Today · 4.125%
HK$9,193
baseline
▲ 0.50% · 4.625%
HK$9,752
+HK$559/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$18,386/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$9,624
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,882
−HK$262/mo
Today · 4.125%
HK$10,144
baseline
▲ 0.50% · 4.625%
HK$10,678
+HK$534/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$20,288/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$11,122
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$352/mo
Today · 4.125%
HK$11,820
baseline
▲ 0.50% · 4.625%
HK$12,539
+HK$719/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,640/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$12,373
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,705
−HK$337/mo
Today · 4.125%
HK$13,042
baseline
▲ 0.50% · 4.625%
HK$13,729
+HK$687/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,084/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).