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$6,192
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,385
−HK$196/mo
Today · 4.125%
HK$6,581
baseline
▲ 0.50% · 4.625%
HK$6,981
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,162/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,889
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$187/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,644
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,522/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,431
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,662
−HK$235/mo
Today · 4.125%
HK$7,897
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,794/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,267
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$225/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,173
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,426/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,669
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,939
−HK$274/mo
Today · 4.125%
HK$9,213
baseline
▲ 0.50% · 4.625%
HK$9,773
+HK$560/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,426/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,644
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,903
−HK$262/mo
Today · 4.125%
HK$10,165
baseline
▲ 0.50% · 4.625%
HK$10,701
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,330/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,146
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,493
−HK$352/mo
Today · 4.125%
HK$11,845
baseline
▲ 0.50% · 4.625%
HK$12,566
+HK$721/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$23,690/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,400
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,732
−HK$338/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,759
+HK$689/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$26,140/mo (50% DSR)
Upfront cash ≈ HK$272K (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).