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$6,099
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,289
−HK$192/mo
Today · 4.125%
HK$6,481
baseline
▲ 0.50% · 4.625%
HK$6,876
+HK$395/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$6,785
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,967
−HK$184/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$7,319
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,546
−HK$231/mo
Today · 4.125%
HK$7,777
baseline
▲ 0.50% · 4.625%
HK$8,251
+HK$474/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$8,142
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,360
−HK$222/mo
Today · 4.125%
HK$8,582
baseline
▲ 0.50% · 4.625%
HK$9,034
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,164/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$536/mo
▼ 0.25% · 3.875%
HK$8,804
−HK$270/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,626
+HK$552/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,148/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$9,499
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$258/mo
Today · 4.125%
HK$10,012
baseline
▲ 0.50% · 4.625%
HK$10,540
+HK$528/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,024/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$10,978
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,319
−HK$347/mo
Today · 4.125%
HK$11,666
baseline
▲ 0.50% · 4.625%
HK$12,376
+HK$710/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$23,332/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$12,213
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,540
−HK$333/mo
Today · 4.125%
HK$12,873
baseline
▲ 0.50% · 4.625%
HK$13,551
+HK$678/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$25,746/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).