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$6,300
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,496
−HK$199/mo
Today · 4.125%
HK$6,695
baseline
▲ 0.50% · 4.625%
HK$7,103
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,390/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$7,009
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,197
−HK$191/mo
Today · 4.125%
HK$7,388
baseline
▲ 0.50% · 4.625%
HK$7,777
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,776/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$7,560
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,795
−HK$239/mo
Today · 4.125%
HK$8,034
baseline
▲ 0.50% · 4.625%
HK$8,523
+HK$489/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,068/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$8,411
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,636
−HK$229/mo
Today · 4.125%
HK$8,865
baseline
▲ 0.50% · 4.625%
HK$9,332
+HK$467/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,730/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$8,820
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,095
−HK$278/mo
Today · 4.125%
HK$9,373
baseline
▲ 0.50% · 4.625%
HK$9,944
+HK$571/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$18,746/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$9,813
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,076
−HK$267/mo
Today · 4.125%
HK$10,343
baseline
▲ 0.50% · 4.625%
HK$10,888
+HK$545/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$20,686/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$11,340
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,693
−HK$359/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,785
+HK$733/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,104/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,616
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,955
−HK$343/mo
Today · 4.125%
HK$13,298
baseline
▲ 0.50% · 4.625%
HK$13,999
+HK$701/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,596/mo (50% DSR)
Upfront cash ≈ HK$276K (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).