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$6,233
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,427
−HK$197/mo
Today · 4.125%
HK$6,624
baseline
▲ 0.50% · 4.625%
HK$7,027
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,248/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,934
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,120
−HK$189/mo
Today · 4.125%
HK$7,309
baseline
▲ 0.50% · 4.625%
HK$7,694
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,618/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,479
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,712
−HK$236/mo
Today · 4.125%
HK$7,948
baseline
▲ 0.50% · 4.625%
HK$8,432
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,896/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$8,321
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,544
−HK$226/mo
Today · 4.125%
HK$8,770
baseline
▲ 0.50% · 4.625%
HK$9,233
+HK$463/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,540/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$8,726
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,997
−HK$276/mo
Today · 4.125%
HK$9,273
baseline
▲ 0.50% · 4.625%
HK$9,837
+HK$564/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$18,546/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,708
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$264/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$539/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$20,464/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,219
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,568
−HK$355/mo
Today · 4.125%
HK$11,923
baseline
▲ 0.50% · 4.625%
HK$12,648
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,846/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,481
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$340/mo
Today · 4.125%
HK$13,156
baseline
▲ 0.50% · 4.625%
HK$13,849
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,312/mo (50% DSR)
Upfront cash ≈ HK$273K (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).