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$6,154
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,346
−HK$194/mo
Today · 4.125%
HK$6,540
baseline
▲ 0.50% · 4.625%
HK$6,938
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,080/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$6,847
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,030
−HK$187/mo
Today · 4.125%
HK$7,217
baseline
▲ 0.50% · 4.625%
HK$7,597
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,434/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$7,385
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,615
−HK$233/mo
Today · 4.125%
HK$7,848
baseline
▲ 0.50% · 4.625%
HK$8,326
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,696/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$8,216
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,436
−HK$224/mo
Today · 4.125%
HK$8,660
baseline
▲ 0.50% · 4.625%
HK$9,116
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,320/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$8,616
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,884
−HK$272/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$558/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$18,312/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$9,585
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,842
−HK$261/mo
Today · 4.125%
HK$10,103
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$533/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$20,206/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$11,078
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,423
−HK$350/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,489
+HK$716/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,546/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$12,324
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$335/mo
Today · 4.125%
HK$12,990
baseline
▲ 0.50% · 4.625%
HK$13,675
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,980/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).