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$6,202
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,395
−HK$196/mo
Today · 4.125%
HK$6,591
baseline
▲ 0.50% · 4.625%
HK$6,992
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,182/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$6,900
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,085
−HK$188/mo
Today · 4.125%
HK$7,273
baseline
▲ 0.50% · 4.625%
HK$7,656
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,546/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$7,443
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,674
−HK$235/mo
Today · 4.125%
HK$7,909
baseline
▲ 0.50% · 4.625%
HK$8,391
+HK$482/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,818/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$8,280
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,502
−HK$225/mo
Today · 4.125%
HK$8,727
baseline
▲ 0.50% · 4.625%
HK$9,187
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,454/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$8,683
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,953
−HK$275/mo
Today · 4.125%
HK$9,228
baseline
▲ 0.50% · 4.625%
HK$9,789
+HK$561/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$18,456/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,660
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,919
−HK$263/mo
Today · 4.125%
HK$10,182
baseline
▲ 0.50% · 4.625%
HK$10,719
+HK$537/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$20,364/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,164
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,511
−HK$353/mo
Today · 4.125%
HK$11,864
baseline
▲ 0.50% · 4.625%
HK$12,586
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,728/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$12,420
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,753
−HK$338/mo
Today · 4.125%
HK$13,091
baseline
▲ 0.50% · 4.625%
HK$13,781
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,182/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).