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$6,156
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,348
−HK$194/mo
Today · 4.125%
HK$6,542
baseline
▲ 0.50% · 4.625%
HK$6,941
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,084/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$6,849
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,033
−HK$186/mo
Today · 4.125%
HK$7,219
baseline
▲ 0.50% · 4.625%
HK$7,599
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,438/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$7,388
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,617
−HK$234/mo
Today · 4.125%
HK$7,851
baseline
▲ 0.50% · 4.625%
HK$8,329
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,702/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$8,219
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$224/mo
Today · 4.125%
HK$8,663
baseline
▲ 0.50% · 4.625%
HK$9,119
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,326/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$8,619
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,887
−HK$272/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,717
+HK$558/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$18,318/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,588
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$261/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,639
+HK$532/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$20,214/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,081
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,426
−HK$350/mo
Today · 4.125%
HK$11,776
baseline
▲ 0.50% · 4.625%
HK$12,493
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,552/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$12,328
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,659
−HK$335/mo
Today · 4.125%
HK$12,994
baseline
▲ 0.50% · 4.625%
HK$13,679
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,988/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).