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$395/mo
▼ 0.25% · 3.875%
HK$6,499
−HK$199/mo
Today · 4.125%
HK$6,698
baseline
▲ 0.50% · 4.625%
HK$7,105
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,396/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$378/mo
▼ 0.25% · 3.875%
HK$7,200
−HK$190/mo
Today · 4.125%
HK$7,390
baseline
▲ 0.50% · 4.625%
HK$7,780
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,780/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$7,563
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,798
−HK$239/mo
Today · 4.125%
HK$8,037
baseline
▲ 0.50% · 4.625%
HK$8,527
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,074/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$8,414
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,640
−HK$229/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,336
+HK$467/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$8,824
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,098
−HK$279/mo
Today · 4.125%
HK$9,377
baseline
▲ 0.50% · 4.625%
HK$9,948
+HK$571/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$18,754/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$9,816
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$267/mo
Today · 4.125%
HK$10,347
baseline
▲ 0.50% · 4.625%
HK$10,892
+HK$545/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$20,694/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$11,345
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,698
−HK$358/mo
Today · 4.125%
HK$12,056
baseline
▲ 0.50% · 4.625%
HK$12,790
+HK$734/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,112/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$12,621
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,959
−HK$344/mo
Today · 4.125%
HK$13,303
baseline
▲ 0.50% · 4.625%
HK$14,004
+HK$701/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,606/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).