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$6,296
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,492
−HK$199/mo
Today · 4.125%
HK$6,691
baseline
▲ 0.50% · 4.625%
HK$7,098
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,382/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,005
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,192
−HK$191/mo
Today · 4.125%
HK$7,383
baseline
▲ 0.50% · 4.625%
HK$7,772
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,766/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,556
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,791
−HK$238/mo
Today · 4.125%
HK$8,029
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$489/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,058/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,406
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$229/mo
Today · 4.125%
HK$8,860
baseline
▲ 0.50% · 4.625%
HK$9,327
+HK$467/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,720/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,815
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,089
−HK$279/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,736/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,806
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,069
−HK$267/mo
Today · 4.125%
HK$10,336
baseline
▲ 0.50% · 4.625%
HK$10,881
+HK$545/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,672/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,333
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,686
−HK$358/mo
Today · 4.125%
HK$12,044
baseline
▲ 0.50% · 4.625%
HK$12,777
+HK$733/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,088/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,608
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,946
−HK$344/mo
Today · 4.125%
HK$13,290
baseline
▲ 0.50% · 4.625%
HK$13,990
+HK$700/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,580/mo (50% DSR)
Upfront cash ≈ HK$276K (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).