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$6,264
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,459
−HK$198/mo
Today · 4.125%
HK$6,657
baseline
▲ 0.50% · 4.625%
HK$7,062
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,314/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$6,969
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,156
−HK$190/mo
Today · 4.125%
HK$7,346
baseline
▲ 0.50% · 4.625%
HK$7,733
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,692/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$7,517
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,751
−HK$238/mo
Today · 4.125%
HK$7,989
baseline
▲ 0.50% · 4.625%
HK$8,475
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,978/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$8,363
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,587
−HK$228/mo
Today · 4.125%
HK$8,815
baseline
▲ 0.50% · 4.625%
HK$9,279
+HK$464/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,630/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$8,770
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,043
−HK$277/mo
Today · 4.125%
HK$9,320
baseline
▲ 0.50% · 4.625%
HK$9,887
+HK$567/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$18,640/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,757
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,018
−HK$266/mo
Today · 4.125%
HK$10,284
baseline
▲ 0.50% · 4.625%
HK$10,826
+HK$542/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$20,568/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,276
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,627
−HK$356/mo
Today · 4.125%
HK$11,983
baseline
▲ 0.50% · 4.625%
HK$12,712
+HK$729/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,966/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,544
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,881
−HK$341/mo
Today · 4.125%
HK$13,222
baseline
▲ 0.50% · 4.625%
HK$13,919
+HK$697/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,444/mo (50% DSR)
Upfront cash ≈ HK$275K (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).