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$6,238
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,432
−HK$197/mo
Today · 4.125%
HK$6,629
baseline
▲ 0.50% · 4.625%
HK$7,033
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,258/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$6,940
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,126
−HK$189/mo
Today · 4.125%
HK$7,315
baseline
▲ 0.50% · 4.625%
HK$7,700
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,630/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$7,486
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,719
−HK$236/mo
Today · 4.125%
HK$7,955
baseline
▲ 0.50% · 4.625%
HK$8,439
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,910/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$8,328
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,551
−HK$227/mo
Today · 4.125%
HK$8,778
baseline
▲ 0.50% · 4.625%
HK$9,240
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,556/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$8,733
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$276/mo
Today · 4.125%
HK$9,281
baseline
▲ 0.50% · 4.625%
HK$9,846
+HK$565/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$18,562/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,716
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$265/mo
Today · 4.125%
HK$10,241
baseline
▲ 0.50% · 4.625%
HK$10,781
+HK$540/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$20,482/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,229
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$355/mo
Today · 4.125%
HK$11,933
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$726/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,866/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,492
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,827
−HK$340/mo
Today · 4.125%
HK$13,167
baseline
▲ 0.50% · 4.625%
HK$13,861
+HK$694/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,334/mo (50% DSR)
Upfront cash ≈ HK$274K (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).