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$6,095
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,285
−HK$193/mo
Today · 4.125%
HK$6,478
baseline
▲ 0.50% · 4.625%
HK$6,872
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,956/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$6,781
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,963
−HK$185/mo
Today · 4.125%
HK$7,148
baseline
▲ 0.50% · 4.625%
HK$7,524
+HK$376/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,296/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$7,315
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,542
−HK$231/mo
Today · 4.125%
HK$7,773
baseline
▲ 0.50% · 4.625%
HK$8,246
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,546/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$8,137
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,356
−HK$221/mo
Today · 4.125%
HK$8,577
baseline
▲ 0.50% · 4.625%
HK$9,029
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,154/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$8,534
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,799
−HK$270/mo
Today · 4.125%
HK$9,069
baseline
▲ 0.50% · 4.625%
HK$9,621
+HK$552/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,138/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$9,494
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,748
−HK$259/mo
Today · 4.125%
HK$10,007
baseline
▲ 0.50% · 4.625%
HK$10,534
+HK$527/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,014/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$10,972
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,313
−HK$347/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,369
+HK$709/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$23,320/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,206
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,533
−HK$333/mo
Today · 4.125%
HK$12,866
baseline
▲ 0.50% · 4.625%
HK$13,544
+HK$678/mo
Deposit HK$267K · loan HK$2.41M · min. income ≈ HK$25,732/mo (50% DSR)
Upfront cash ≈ HK$267K (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).