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$6,153
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,345
−HK$194/mo
Today · 4.125%
HK$6,539
baseline
▲ 0.50% · 4.625%
HK$6,937
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,078/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$6,845
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,029
−HK$186/mo
Today · 4.125%
HK$7,215
baseline
▲ 0.50% · 4.625%
HK$7,596
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,430/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$7,384
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,614
−HK$233/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,324
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,694/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$8,214
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,435
−HK$223/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,115
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,316/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$8,615
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,882
−HK$273/mo
Today · 4.125%
HK$9,155
baseline
▲ 0.50% · 4.625%
HK$9,712
+HK$557/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$18,310/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$9,584
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,841
−HK$260/mo
Today · 4.125%
HK$10,101
baseline
▲ 0.50% · 4.625%
HK$10,634
+HK$533/mo
Deposit HK$810K · loan HK$1.89M · min. income ≈ HK$20,202/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$11,076
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$350/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,487
+HK$717/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,540/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$12,322
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$335/mo
Today · 4.125%
HK$12,987
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,974/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).