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$6,120
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,311
−HK$193/mo
Today · 4.125%
HK$6,504
baseline
▲ 0.50% · 4.625%
HK$6,900
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,008/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$6,809
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$185/mo
Today · 4.125%
HK$7,177
baseline
▲ 0.50% · 4.625%
HK$7,555
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,354/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$7,345
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,573
−HK$232/mo
Today · 4.125%
HK$7,805
baseline
▲ 0.50% · 4.625%
HK$8,280
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,610/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$8,171
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,390
−HK$222/mo
Today · 4.125%
HK$8,612
baseline
▲ 0.50% · 4.625%
HK$9,066
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,224/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$8,569
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$271/mo
Today · 4.125%
HK$9,106
baseline
▲ 0.50% · 4.625%
HK$9,660
+HK$554/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,212/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,533
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$260/mo
Today · 4.125%
HK$10,048
baseline
▲ 0.50% · 4.625%
HK$10,577
+HK$529/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,096/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,017
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,360
−HK$348/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,420
+HK$712/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$23,416/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,256
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,585
−HK$333/mo
Today · 4.125%
HK$12,918
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$681/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$25,836/mo (50% DSR)
Upfront cash ≈ HK$269K (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).