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$6,244
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,439
−HK$197/mo
Today · 4.125%
HK$6,636
baseline
▲ 0.50% · 4.625%
HK$7,040
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,272/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$6,947
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,133
−HK$189/mo
Today · 4.125%
HK$7,322
baseline
▲ 0.50% · 4.625%
HK$7,708
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,644/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$7,493
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,726
−HK$237/mo
Today · 4.125%
HK$7,963
baseline
▲ 0.50% · 4.625%
HK$8,448
+HK$485/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,926/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,336
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,560
−HK$227/mo
Today · 4.125%
HK$8,787
baseline
▲ 0.50% · 4.625%
HK$9,250
+HK$463/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,574/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,742
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,014
−HK$276/mo
Today · 4.125%
HK$9,290
baseline
▲ 0.50% · 4.625%
HK$9,856
+HK$566/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$18,580/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,726
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,986
−HK$265/mo
Today · 4.125%
HK$10,251
baseline
▲ 0.50% · 4.625%
HK$10,791
+HK$540/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$20,502/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,240
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$356/mo
Today · 4.125%
HK$11,945
baseline
▲ 0.50% · 4.625%
HK$12,672
+HK$727/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,890/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$12,504
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,840
−HK$340/mo
Today · 4.125%
HK$13,180
baseline
▲ 0.50% · 4.625%
HK$13,875
+HK$695/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,360/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).