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$6,217
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,410
−HK$197/mo
Today · 4.125%
HK$6,607
baseline
▲ 0.50% · 4.625%
HK$7,009
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,214/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$6,916
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,102
−HK$188/mo
Today · 4.125%
HK$7,290
baseline
▲ 0.50% · 4.625%
HK$7,674
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,580/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$7,460
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$236/mo
Today · 4.125%
HK$7,928
baseline
▲ 0.50% · 4.625%
HK$8,411
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,856/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$8,300
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,522
−HK$226/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,209
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,496/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$8,704
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,975
−HK$275/mo
Today · 4.125%
HK$9,250
baseline
▲ 0.50% · 4.625%
HK$9,812
+HK$562/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$18,500/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,683
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,943
−HK$263/mo
Today · 4.125%
HK$10,206
baseline
▲ 0.50% · 4.625%
HK$10,744
+HK$538/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$20,412/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,191
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,539
−HK$353/mo
Today · 4.125%
HK$11,892
baseline
▲ 0.50% · 4.625%
HK$12,616
+HK$724/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$23,784/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,449
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,783
−HK$339/mo
Today · 4.125%
HK$13,122
baseline
▲ 0.50% · 4.625%
HK$13,814
+HK$692/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$26,244/mo (50% DSR)
Upfront cash ≈ HK$273K (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).