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$6,149
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,340
−HK$194/mo
Today · 4.125%
HK$6,534
baseline
▲ 0.50% · 4.625%
HK$6,932
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,068/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$6,841
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,024
−HK$186/mo
Today · 4.125%
HK$7,210
baseline
▲ 0.50% · 4.625%
HK$7,590
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,420/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$7,379
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,608
−HK$233/mo
Today · 4.125%
HK$7,841
baseline
▲ 0.50% · 4.625%
HK$8,318
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,682/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$8,209
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,429
−HK$223/mo
Today · 4.125%
HK$8,652
baseline
▲ 0.50% · 4.625%
HK$9,108
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,304/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$8,608
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,876
−HK$272/mo
Today · 4.125%
HK$9,148
baseline
▲ 0.50% · 4.625%
HK$9,705
+HK$557/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$18,296/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,577
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,834
−HK$260/mo
Today · 4.125%
HK$10,094
baseline
▲ 0.50% · 4.625%
HK$10,626
+HK$532/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$20,188/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,068
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,412
−HK$350/mo
Today · 4.125%
HK$11,762
baseline
▲ 0.50% · 4.625%
HK$12,478
+HK$716/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,524/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$12,313
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,643
−HK$335/mo
Today · 4.125%
HK$12,978
baseline
▲ 0.50% · 4.625%
HK$13,662
+HK$684/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,956/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).