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$6,211
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,404
−HK$197/mo
Today · 4.125%
HK$6,601
baseline
▲ 0.50% · 4.625%
HK$7,002
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,202/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$6,910
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,095
−HK$188/mo
Today · 4.125%
HK$7,283
baseline
▲ 0.50% · 4.625%
HK$7,667
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,566/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$7,454
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,685
−HK$236/mo
Today · 4.125%
HK$7,921
baseline
▲ 0.50% · 4.625%
HK$8,403
+HK$482/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,842/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$8,292
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,514
−HK$226/mo
Today · 4.125%
HK$8,740
baseline
▲ 0.50% · 4.625%
HK$9,201
+HK$461/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,480/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$8,696
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,966
−HK$275/mo
Today · 4.125%
HK$9,241
baseline
▲ 0.50% · 4.625%
HK$9,803
+HK$562/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$18,482/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,674
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,933
−HK$264/mo
Today · 4.125%
HK$10,197
baseline
▲ 0.50% · 4.625%
HK$10,734
+HK$537/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$20,394/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,180
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,528
−HK$353/mo
Today · 4.125%
HK$11,881
baseline
▲ 0.50% · 4.625%
HK$12,604
+HK$723/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,762/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$12,438
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,772
−HK$338/mo
Today · 4.125%
HK$13,110
baseline
▲ 0.50% · 4.625%
HK$13,801
+HK$691/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,220/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).