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$6,207
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,400
−HK$196/mo
Today · 4.125%
HK$6,596
baseline
▲ 0.50% · 4.625%
HK$6,997
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,192/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,905
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,090
−HK$188/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,662
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,556/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,448
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,680
−HK$235/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,397
+HK$482/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,830/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,286
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$226/mo
Today · 4.125%
HK$8,734
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,468/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,689
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,960
−HK$274/mo
Today · 4.125%
HK$9,234
baseline
▲ 0.50% · 4.625%
HK$9,796
+HK$562/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$18,468/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,667
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,926
−HK$263/mo
Today · 4.125%
HK$10,189
baseline
▲ 0.50% · 4.625%
HK$10,726
+HK$537/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$20,378/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,172
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,520
−HK$353/mo
Today · 4.125%
HK$11,873
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,746/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,429
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$338/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,791
+HK$691/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,200/mo (50% DSR)
Upfront cash ≈ HK$272K (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).