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$6,223
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,417
−HK$196/mo
Today · 4.125%
HK$6,613
baseline
▲ 0.50% · 4.625%
HK$7,016
+HK$403/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,226/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$6,923
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,109
−HK$188/mo
Today · 4.125%
HK$7,297
baseline
▲ 0.50% · 4.625%
HK$7,682
+HK$385/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,594/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$7,468
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,700
−HK$236/mo
Today · 4.125%
HK$7,936
baseline
▲ 0.50% · 4.625%
HK$8,419
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,872/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$8,308
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$227/mo
Today · 4.125%
HK$8,757
baseline
▲ 0.50% · 4.625%
HK$9,218
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,514/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$8,712
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,983
−HK$276/mo
Today · 4.125%
HK$9,259
baseline
▲ 0.50% · 4.625%
HK$9,822
+HK$563/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,518/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,692
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,952
−HK$264/mo
Today · 4.125%
HK$10,216
baseline
▲ 0.50% · 4.625%
HK$10,754
+HK$538/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,432/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,201
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,550
−HK$354/mo
Today · 4.125%
HK$11,904
baseline
▲ 0.50% · 4.625%
HK$12,628
+HK$724/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,808/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$12,462
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,796
−HK$339/mo
Today · 4.125%
HK$13,135
baseline
▲ 0.50% · 4.625%
HK$13,827
+HK$692/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,270/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).