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$6,157
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,349
−HK$194/mo
Today · 4.125%
HK$6,543
baseline
▲ 0.50% · 4.625%
HK$6,941
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,086/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$6,850
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,033
−HK$187/mo
Today · 4.125%
HK$7,220
baseline
▲ 0.50% · 4.625%
HK$7,600
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,440/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$464/mo
▼ 0.25% · 3.875%
HK$7,618
−HK$234/mo
Today · 4.125%
HK$7,852
baseline
▲ 0.50% · 4.625%
HK$8,330
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,704/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$8,220
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,440
−HK$224/mo
Today · 4.125%
HK$8,664
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,328/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$8,620
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,888
−HK$272/mo
Today · 4.125%
HK$9,160
baseline
▲ 0.50% · 4.625%
HK$9,718
+HK$558/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$18,320/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$9,590
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$261/mo
Today · 4.125%
HK$10,108
baseline
▲ 0.50% · 4.625%
HK$10,640
+HK$532/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$20,216/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$11,083
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$351/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$716/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,556/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$12,329
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,660
−HK$336/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,992/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).