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$6,130
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,320
−HK$194/mo
Today · 4.125%
HK$6,514
baseline
▲ 0.50% · 4.625%
HK$6,910
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,028/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$6,819
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,002
−HK$186/mo
Today · 4.125%
HK$7,188
baseline
▲ 0.50% · 4.625%
HK$7,566
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,376/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$7,356
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,584
−HK$233/mo
Today · 4.125%
HK$7,817
baseline
▲ 0.50% · 4.625%
HK$8,292
+HK$475/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$15,634/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$8,183
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,402
−HK$223/mo
Today · 4.125%
HK$8,625
baseline
▲ 0.50% · 4.625%
HK$9,080
+HK$455/mo
Deposit HK$1.08M · loan HK$1.61M · min. income ≈ HK$17,250/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$8,581
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,848
−HK$272/mo
Today · 4.125%
HK$9,120
baseline
▲ 0.50% · 4.625%
HK$9,674
+HK$554/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$18,240/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,547
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,803
−HK$260/mo
Today · 4.125%
HK$10,063
baseline
▲ 0.50% · 4.625%
HK$10,593
+HK$530/mo
Deposit HK$806K · loan HK$1.88M · min. income ≈ HK$20,126/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,033
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,376
−HK$349/mo
Today · 4.125%
HK$11,725
baseline
▲ 0.50% · 4.625%
HK$12,439
+HK$714/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$23,450/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$12,274
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,604
−HK$334/mo
Today · 4.125%
HK$12,938
baseline
▲ 0.50% · 4.625%
HK$13,619
+HK$681/mo
Deposit HK$269K · loan HK$2.42M · min. income ≈ HK$25,876/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).