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$6,120
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,310
−HK$194/mo
Today · 4.125%
HK$6,504
baseline
▲ 0.50% · 4.625%
HK$6,900
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,008/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$6,808
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,991
−HK$185/mo
Today · 4.125%
HK$7,176
baseline
▲ 0.50% · 4.625%
HK$7,555
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,352/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$7,344
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,572
−HK$233/mo
Today · 4.125%
HK$7,805
baseline
▲ 0.50% · 4.625%
HK$8,279
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,610/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,170
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,389
−HK$223/mo
Today · 4.125%
HK$8,612
baseline
▲ 0.50% · 4.625%
HK$9,065
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,224/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,568
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$270/mo
Today · 4.125%
HK$9,105
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$554/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,210/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,532
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,787
−HK$260/mo
Today · 4.125%
HK$10,047
baseline
▲ 0.50% · 4.625%
HK$10,576
+HK$529/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,094/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,016
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$348/mo
Today · 4.125%
HK$11,707
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$712/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$23,414/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,255
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,584
−HK$333/mo
Today · 4.125%
HK$12,917
baseline
▲ 0.50% · 4.625%
HK$13,598
+HK$681/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$25,834/mo (50% DSR)
Upfront cash ≈ HK$268K (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).