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$6,273
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,468
−HK$198/mo
Today · 4.125%
HK$6,666
baseline
▲ 0.50% · 4.625%
HK$7,072
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,332/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,978
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,165
−HK$190/mo
Today · 4.125%
HK$7,355
baseline
▲ 0.50% · 4.625%
HK$7,743
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,710/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,527
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,761
−HK$238/mo
Today · 4.125%
HK$7,999
baseline
▲ 0.50% · 4.625%
HK$8,486
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,998/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,374
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,598
−HK$228/mo
Today · 4.125%
HK$8,826
baseline
▲ 0.50% · 4.625%
HK$9,291
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,652/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,782
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,055
−HK$277/mo
Today · 4.125%
HK$9,332
baseline
▲ 0.50% · 4.625%
HK$9,900
+HK$568/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$18,664/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,769
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,031
−HK$266/mo
Today · 4.125%
HK$10,297
baseline
▲ 0.50% · 4.625%
HK$10,840
+HK$543/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$20,594/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,291
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$357/mo
Today · 4.125%
HK$11,999
baseline
▲ 0.50% · 4.625%
HK$12,729
+HK$730/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$23,998/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,561
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$341/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$13,937
+HK$698/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,478/mo (50% DSR)
Upfront cash ≈ HK$275K (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).