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$6,198
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,391
−HK$196/mo
Today · 4.125%
HK$6,587
baseline
▲ 0.50% · 4.625%
HK$6,987
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,174/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$6,895
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,080
−HK$188/mo
Today · 4.125%
HK$7,268
baseline
▲ 0.50% · 4.625%
HK$7,651
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,536/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$7,437
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,669
−HK$235/mo
Today · 4.125%
HK$7,904
baseline
▲ 0.50% · 4.625%
HK$8,385
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,808/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$8,274
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,496
−HK$225/mo
Today · 4.125%
HK$8,721
baseline
▲ 0.50% · 4.625%
HK$9,181
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,442/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$8,677
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,947
−HK$274/mo
Today · 4.125%
HK$9,221
baseline
▲ 0.50% · 4.625%
HK$9,782
+HK$561/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,442/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,653
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,912
−HK$263/mo
Today · 4.125%
HK$10,175
baseline
▲ 0.50% · 4.625%
HK$10,711
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,350/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,156
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,503
−HK$353/mo
Today · 4.125%
HK$11,856
baseline
▲ 0.50% · 4.625%
HK$12,577
+HK$721/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,712/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$12,411
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,744
−HK$338/mo
Today · 4.125%
HK$13,082
baseline
▲ 0.50% · 4.625%
HK$13,771
+HK$689/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,164/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).