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$6,309
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,506
−HK$199/mo
Today · 4.125%
HK$6,705
baseline
▲ 0.50% · 4.625%
HK$7,113
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,410/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$7,019
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,207
−HK$191/mo
Today · 4.125%
HK$7,398
baseline
▲ 0.50% · 4.625%
HK$7,788
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,796/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$7,571
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,807
−HK$239/mo
Today · 4.125%
HK$8,046
baseline
▲ 0.50% · 4.625%
HK$8,535
+HK$489/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,092/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,423
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,649
−HK$229/mo
Today · 4.125%
HK$8,878
baseline
▲ 0.50% · 4.625%
HK$9,346
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,756/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,833
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,108
−HK$279/mo
Today · 4.125%
HK$9,387
baseline
▲ 0.50% · 4.625%
HK$9,958
+HK$571/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$18,774/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,827
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,090
−HK$267/mo
Today · 4.125%
HK$10,357
baseline
▲ 0.50% · 4.625%
HK$10,903
+HK$546/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$20,714/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,357
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,710
−HK$359/mo
Today · 4.125%
HK$12,069
baseline
▲ 0.50% · 4.625%
HK$12,803
+HK$734/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,138/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,634
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,973
−HK$344/mo
Today · 4.125%
HK$13,317
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,634/mo (50% DSR)
Upfront cash ≈ HK$277K (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).