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$6,197
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,390
−HK$195/mo
Today · 4.125%
HK$6,585
baseline
▲ 0.50% · 4.625%
HK$6,986
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,170/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$6,894
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,079
−HK$187/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,649
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,532/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$7,436
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,668
−HK$235/mo
Today · 4.125%
HK$7,903
baseline
▲ 0.50% · 4.625%
HK$8,383
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,806/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$8,273
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,495
−HK$225/mo
Today · 4.125%
HK$8,720
baseline
▲ 0.50% · 4.625%
HK$9,179
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,440/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$8,676
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,945
−HK$275/mo
Today · 4.125%
HK$9,220
baseline
▲ 0.50% · 4.625%
HK$9,781
+HK$561/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,440/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,652
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,910
−HK$263/mo
Today · 4.125%
HK$10,173
baseline
▲ 0.50% · 4.625%
HK$10,709
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,346/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,154
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$353/mo
Today · 4.125%
HK$11,854
baseline
▲ 0.50% · 4.625%
HK$12,575
+HK$721/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,708/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$12,409
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,742
−HK$338/mo
Today · 4.125%
HK$13,080
baseline
▲ 0.50% · 4.625%
HK$13,769
+HK$689/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,160/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).