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$6,276
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,471
−HK$198/mo
Today · 4.125%
HK$6,669
baseline
▲ 0.50% · 4.625%
HK$7,075
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,338/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$6,982
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,169
−HK$190/mo
Today · 4.125%
HK$7,359
baseline
▲ 0.50% · 4.625%
HK$7,747
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,718/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$7,531
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,765
−HK$238/mo
Today · 4.125%
HK$8,003
baseline
▲ 0.50% · 4.625%
HK$8,490
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,006/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$8,378
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,603
−HK$228/mo
Today · 4.125%
HK$8,831
baseline
▲ 0.50% · 4.625%
HK$9,296
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,662/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$8,786
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,060
−HK$277/mo
Today · 4.125%
HK$9,337
baseline
▲ 0.50% · 4.625%
HK$9,905
+HK$568/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$18,674/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,775
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,037
−HK$266/mo
Today · 4.125%
HK$10,303
baseline
▲ 0.50% · 4.625%
HK$10,846
+HK$543/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$20,606/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,297
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,648
−HK$357/mo
Today · 4.125%
HK$12,005
baseline
▲ 0.50% · 4.625%
HK$12,736
+HK$731/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,010/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$12,567
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,904
−HK$342/mo
Today · 4.125%
HK$13,246
baseline
▲ 0.50% · 4.625%
HK$13,945
+HK$699/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,492/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).