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$6,246
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,440
−HK$197/mo
Today · 4.125%
HK$6,637
baseline
▲ 0.50% · 4.625%
HK$7,041
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,274/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$6,948
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$189/mo
Today · 4.125%
HK$7,323
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,646/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$7,495
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,728
−HK$237/mo
Today · 4.125%
HK$7,965
baseline
▲ 0.50% · 4.625%
HK$8,449
+HK$484/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,930/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$8,338
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,561
−HK$227/mo
Today · 4.125%
HK$8,788
baseline
▲ 0.50% · 4.625%
HK$9,251
+HK$463/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,576/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$8,744
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,016
−HK$276/mo
Today · 4.125%
HK$9,292
baseline
▲ 0.50% · 4.625%
HK$9,857
+HK$565/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$18,584/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,727
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$265/mo
Today · 4.125%
HK$10,253
baseline
▲ 0.50% · 4.625%
HK$10,793
+HK$540/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$20,506/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,242
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$355/mo
Today · 4.125%
HK$11,947
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$727/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,894/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,507
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,842
−HK$340/mo
Today · 4.125%
HK$13,182
baseline
▲ 0.50% · 4.625%
HK$13,877
+HK$695/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,364/mo (50% DSR)
Upfront cash ≈ HK$274K (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).