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$6,189
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,381
−HK$196/mo
Today · 4.125%
HK$6,577
baseline
▲ 0.50% · 4.625%
HK$6,977
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,154/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$6,885
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,070
−HK$187/mo
Today · 4.125%
HK$7,257
baseline
▲ 0.50% · 4.625%
HK$7,639
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,514/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$7,427
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,658
−HK$234/mo
Today · 4.125%
HK$7,892
baseline
▲ 0.50% · 4.625%
HK$8,373
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,784/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$8,262
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,484
−HK$224/mo
Today · 4.125%
HK$8,708
baseline
▲ 0.50% · 4.625%
HK$9,167
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,416/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$8,664
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,934
−HK$274/mo
Today · 4.125%
HK$9,208
baseline
▲ 0.50% · 4.625%
HK$9,768
+HK$560/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,416/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$9,639
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,898
−HK$262/mo
Today · 4.125%
HK$10,160
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$535/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,320/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$11,140
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,486
−HK$352/mo
Today · 4.125%
HK$11,838
baseline
▲ 0.50% · 4.625%
HK$12,559
+HK$721/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,676/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,393
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,725
−HK$338/mo
Today · 4.125%
HK$13,063
baseline
▲ 0.50% · 4.625%
HK$13,751
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,126/mo (50% DSR)
Upfront cash ≈ HK$272K (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).