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$6,178
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,371
−HK$195/mo
Today · 4.125%
HK$6,566
baseline
▲ 0.50% · 4.625%
HK$6,965
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,132/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$6,873
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,058
−HK$187/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,627
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,490/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$7,414
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,645
−HK$234/mo
Today · 4.125%
HK$7,879
baseline
▲ 0.50% · 4.625%
HK$8,358
+HK$479/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,758/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$8,248
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,469
−HK$225/mo
Today · 4.125%
HK$8,694
baseline
▲ 0.50% · 4.625%
HK$9,152
+HK$458/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,388/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$8,650
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,919
−HK$273/mo
Today · 4.125%
HK$9,192
baseline
▲ 0.50% · 4.625%
HK$9,751
+HK$559/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$18,384/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,623
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,881
−HK$262/mo
Today · 4.125%
HK$10,143
baseline
▲ 0.50% · 4.625%
HK$10,677
+HK$534/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$20,286/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,121
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,467
−HK$351/mo
Today · 4.125%
HK$11,818
baseline
▲ 0.50% · 4.625%
HK$12,538
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,636/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,372
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,704
−HK$336/mo
Today · 4.125%
HK$13,040
baseline
▲ 0.50% · 4.625%
HK$13,728
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,080/mo (50% DSR)
Upfront cash ≈ HK$271K (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).