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$6,098
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,288
−HK$193/mo
Today · 4.125%
HK$6,481
baseline
▲ 0.50% · 4.625%
HK$6,875
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,962/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$6,784
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,966
−HK$185/mo
Today · 4.125%
HK$7,151
baseline
▲ 0.50% · 4.625%
HK$7,528
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,302/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$7,318
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,546
−HK$231/mo
Today · 4.125%
HK$7,777
baseline
▲ 0.50% · 4.625%
HK$8,250
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,554/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$8,141
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,360
−HK$221/mo
Today · 4.125%
HK$8,581
baseline
▲ 0.50% · 4.625%
HK$9,033
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,162/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$8,538
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,803
−HK$270/mo
Today · 4.125%
HK$9,073
baseline
▲ 0.50% · 4.625%
HK$9,625
+HK$552/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,146/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,498
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,753
−HK$258/mo
Today · 4.125%
HK$10,011
baseline
▲ 0.50% · 4.625%
HK$10,539
+HK$528/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,022/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,977
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,319
−HK$346/mo
Today · 4.125%
HK$11,665
baseline
▲ 0.50% · 4.625%
HK$12,375
+HK$710/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$23,330/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$12,212
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,539
−HK$333/mo
Today · 4.125%
HK$12,872
baseline
▲ 0.50% · 4.625%
HK$13,550
+HK$678/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$25,744/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).