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$6,116
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,306
−HK$193/mo
Today · 4.125%
HK$6,499
baseline
▲ 0.50% · 4.625%
HK$6,895
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,998/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$6,804
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,986
−HK$185/mo
Today · 4.125%
HK$7,171
baseline
▲ 0.50% · 4.625%
HK$7,549
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,342/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$7,339
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,567
−HK$232/mo
Today · 4.125%
HK$7,799
baseline
▲ 0.50% · 4.625%
HK$8,274
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,598/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$8,164
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,383
−HK$222/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,059
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,210/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$8,562
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,828
−HK$271/mo
Today · 4.125%
HK$9,099
baseline
▲ 0.50% · 4.625%
HK$9,653
+HK$554/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,198/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$9,525
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,781
−HK$259/mo
Today · 4.125%
HK$10,040
baseline
▲ 0.50% · 4.625%
HK$10,569
+HK$529/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,080/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$11,008
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,351
−HK$348/mo
Today · 4.125%
HK$11,699
baseline
▲ 0.50% · 4.625%
HK$12,410
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,398/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$12,247
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,575
−HK$333/mo
Today · 4.125%
HK$12,908
baseline
▲ 0.50% · 4.625%
HK$13,589
+HK$681/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,816/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).