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$6,303
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,499
−HK$200/mo
Today · 4.125%
HK$6,699
baseline
▲ 0.50% · 4.625%
HK$7,106
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,398/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$7,012
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,200
−HK$191/mo
Today · 4.125%
HK$7,391
baseline
▲ 0.50% · 4.625%
HK$7,781
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,782/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$7,564
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,799
−HK$239/mo
Today · 4.125%
HK$8,038
baseline
▲ 0.50% · 4.625%
HK$8,527
+HK$489/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,076/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$8,415
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,640
−HK$229/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,337
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,738/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$8,825
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$279/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,949
+HK$571/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$18,756/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$9,817
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$267/mo
Today · 4.125%
HK$10,348
baseline
▲ 0.50% · 4.625%
HK$10,893
+HK$545/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$20,696/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$11,346
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,699
−HK$358/mo
Today · 4.125%
HK$12,057
baseline
▲ 0.50% · 4.625%
HK$12,791
+HK$734/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,114/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$12,622
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,961
−HK$343/mo
Today · 4.125%
HK$13,304
baseline
▲ 0.50% · 4.625%
HK$14,005
+HK$701/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,608/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).