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$6,229
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,423
−HK$196/mo
Today · 4.125%
HK$6,619
baseline
▲ 0.50% · 4.625%
HK$7,022
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,238/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,929
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,115
−HK$189/mo
Today · 4.125%
HK$7,304
baseline
▲ 0.50% · 4.625%
HK$7,689
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,608/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,475
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,707
−HK$236/mo
Today · 4.125%
HK$7,943
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,886/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$8,315
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,538
−HK$227/mo
Today · 4.125%
HK$8,765
baseline
▲ 0.50% · 4.625%
HK$9,227
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,530/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$8,720
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$275/mo
Today · 4.125%
HK$9,267
baseline
▲ 0.50% · 4.625%
HK$9,831
+HK$564/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,534/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,701
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,961
−HK$264/mo
Today · 4.125%
HK$10,225
baseline
▲ 0.50% · 4.625%
HK$10,764
+HK$539/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,450/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,212
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,561
−HK$354/mo
Today · 4.125%
HK$11,915
baseline
▲ 0.50% · 4.625%
HK$12,640
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,830/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$12,473
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,808
−HK$339/mo
Today · 4.125%
HK$13,147
baseline
▲ 0.50% · 4.625%
HK$13,840
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,294/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).