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$6,305
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,502
−HK$199/mo
Today · 4.125%
HK$6,701
baseline
▲ 0.50% · 4.625%
HK$7,109
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,402/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$7,015
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,203
−HK$191/mo
Today · 4.125%
HK$7,394
baseline
▲ 0.50% · 4.625%
HK$7,783
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,788/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$7,566
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$239/mo
Today · 4.125%
HK$8,041
baseline
▲ 0.50% · 4.625%
HK$8,530
+HK$489/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,082/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$8,418
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,643
−HK$229/mo
Today · 4.125%
HK$8,872
baseline
▲ 0.50% · 4.625%
HK$9,340
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,744/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$8,828
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,102
−HK$279/mo
Today · 4.125%
HK$9,381
baseline
▲ 0.50% · 4.625%
HK$9,952
+HK$571/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$18,762/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,821
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,084
−HK$267/mo
Today · 4.125%
HK$10,351
baseline
▲ 0.50% · 4.625%
HK$10,897
+HK$546/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$20,702/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,350
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,703
−HK$358/mo
Today · 4.125%
HK$12,061
baseline
▲ 0.50% · 4.625%
HK$12,795
+HK$734/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,122/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,626
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,965
−HK$344/mo
Today · 4.125%
HK$13,309
baseline
▲ 0.50% · 4.625%
HK$14,010
+HK$701/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,618/mo (50% DSR)
Upfront cash ≈ HK$277K (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).