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$6,186
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,378
−HK$196/mo
Today · 4.125%
HK$6,574
baseline
▲ 0.50% · 4.625%
HK$6,974
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,148/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$6,882
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,066
−HK$187/mo
Today · 4.125%
HK$7,253
baseline
▲ 0.50% · 4.625%
HK$7,636
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,506/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$7,423
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,654
−HK$234/mo
Today · 4.125%
HK$7,888
baseline
▲ 0.50% · 4.625%
HK$8,368
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,776/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$8,258
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,479
−HK$225/mo
Today · 4.125%
HK$8,704
baseline
▲ 0.50% · 4.625%
HK$9,163
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,408/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$8,660
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,929
−HK$274/mo
Today · 4.125%
HK$9,203
baseline
▲ 0.50% · 4.625%
HK$9,763
+HK$560/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,406/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$9,634
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,893
−HK$262/mo
Today · 4.125%
HK$10,155
baseline
▲ 0.50% · 4.625%
HK$10,690
+HK$535/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,310/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$11,134
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,481
−HK$351/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,552
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,664/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$12,387
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,719
−HK$337/mo
Today · 4.125%
HK$13,056
baseline
▲ 0.50% · 4.625%
HK$13,744
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,112/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).