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$6,299
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,495
−HK$199/mo
Today · 4.125%
HK$6,694
baseline
▲ 0.50% · 4.625%
HK$7,102
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,388/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$7,008
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,196
−HK$190/mo
Today · 4.125%
HK$7,386
baseline
▲ 0.50% · 4.625%
HK$7,776
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,772/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$7,559
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,794
−HK$239/mo
Today · 4.125%
HK$8,033
baseline
▲ 0.50% · 4.625%
HK$8,522
+HK$489/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,066/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,409
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$229/mo
Today · 4.125%
HK$8,864
baseline
▲ 0.50% · 4.625%
HK$9,331
+HK$467/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,728/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,819
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$279/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,942
+HK$570/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$18,744/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,811
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$267/mo
Today · 4.125%
HK$10,341
baseline
▲ 0.50% · 4.625%
HK$10,886
+HK$545/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$20,682/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,339
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,691
−HK$359/mo
Today · 4.125%
HK$12,050
baseline
▲ 0.50% · 4.625%
HK$12,783
+HK$733/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,100/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$12,614
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$343/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$13,996
+HK$701/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,590/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).