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$6,137
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,328
−HK$194/mo
Today · 4.125%
HK$6,522
baseline
▲ 0.50% · 4.625%
HK$6,919
+HK$397/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,044/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$6,828
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,011
−HK$185/mo
Today · 4.125%
HK$7,196
baseline
▲ 0.50% · 4.625%
HK$7,576
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,392/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$7,365
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,594
−HK$232/mo
Today · 4.125%
HK$7,826
baseline
▲ 0.50% · 4.625%
HK$8,303
+HK$477/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,652/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$8,193
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,413
−HK$223/mo
Today · 4.125%
HK$8,636
baseline
▲ 0.50% · 4.625%
HK$9,091
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,272/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$8,592
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$272/mo
Today · 4.125%
HK$9,131
baseline
▲ 0.50% · 4.625%
HK$9,686
+HK$555/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$18,262/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,559
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,815
−HK$260/mo
Today · 4.125%
HK$10,075
baseline
▲ 0.50% · 4.625%
HK$10,606
+HK$531/mo
Deposit HK$807K · loan HK$1.88M · min. income ≈ HK$20,150/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,047
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,391
−HK$349/mo
Today · 4.125%
HK$11,740
baseline
▲ 0.50% · 4.625%
HK$12,454
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,480/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$12,290
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$335/mo
Today · 4.125%
HK$12,954
baseline
▲ 0.50% · 4.625%
HK$13,636
+HK$682/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,908/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).