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$6,183
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,376
−HK$195/mo
Today · 4.125%
HK$6,571
baseline
▲ 0.50% · 4.625%
HK$6,971
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,142/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$6,879
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,063
−HK$188/mo
Today · 4.125%
HK$7,251
baseline
▲ 0.50% · 4.625%
HK$7,633
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,502/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$7,420
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,651
−HK$234/mo
Today · 4.125%
HK$7,885
baseline
▲ 0.50% · 4.625%
HK$8,365
+HK$480/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,770/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,255
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,476
−HK$225/mo
Today · 4.125%
HK$8,701
baseline
▲ 0.50% · 4.625%
HK$9,159
+HK$458/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,402/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,657
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,926
−HK$274/mo
Today · 4.125%
HK$9,200
baseline
▲ 0.50% · 4.625%
HK$9,759
+HK$559/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,400/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,630
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,889
−HK$262/mo
Today · 4.125%
HK$10,151
baseline
▲ 0.50% · 4.625%
HK$10,686
+HK$535/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,302/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,130
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,476
−HK$352/mo
Today · 4.125%
HK$11,828
baseline
▲ 0.50% · 4.625%
HK$12,548
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,656/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,382
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,714
−HK$337/mo
Today · 4.125%
HK$13,051
baseline
▲ 0.50% · 4.625%
HK$13,739
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,102/mo (50% DSR)
Upfront cash ≈ HK$271K (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).