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$6,258
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,452
−HK$198/mo
Today · 4.125%
HK$6,650
baseline
▲ 0.50% · 4.625%
HK$7,055
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,300/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$6,962
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,148
−HK$190/mo
Today · 4.125%
HK$7,338
baseline
▲ 0.50% · 4.625%
HK$7,725
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,676/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$7,509
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,743
−HK$237/mo
Today · 4.125%
HK$7,980
baseline
▲ 0.50% · 4.625%
HK$8,466
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,960/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$8,354
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,578
−HK$227/mo
Today · 4.125%
HK$8,805
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,610/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$8,761
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,033
−HK$277/mo
Today · 4.125%
HK$9,310
baseline
▲ 0.50% · 4.625%
HK$9,877
+HK$567/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$18,620/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,746
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,008
−HK$265/mo
Today · 4.125%
HK$10,273
baseline
▲ 0.50% · 4.625%
HK$10,814
+HK$541/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$20,546/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,264
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,614
−HK$356/mo
Today · 4.125%
HK$11,970
baseline
▲ 0.50% · 4.625%
HK$12,699
+HK$729/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,940/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$12,531
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$341/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$13,904
+HK$696/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,416/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).