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$6,181
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,373
−HK$195/mo
Today · 4.125%
HK$6,568
baseline
▲ 0.50% · 4.625%
HK$6,968
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,136/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$6,876
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,060
−HK$187/mo
Today · 4.125%
HK$7,247
baseline
▲ 0.50% · 4.625%
HK$7,630
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,494/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$7,417
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,648
−HK$234/mo
Today · 4.125%
HK$7,882
baseline
▲ 0.50% · 4.625%
HK$8,362
+HK$480/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,764/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,251
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,472
−HK$225/mo
Today · 4.125%
HK$8,697
baseline
▲ 0.50% · 4.625%
HK$9,155
+HK$458/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,394/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,653
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,922
−HK$274/mo
Today · 4.125%
HK$9,196
baseline
▲ 0.50% · 4.625%
HK$9,755
+HK$559/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$18,392/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,626
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,885
−HK$261/mo
Today · 4.125%
HK$10,146
baseline
▲ 0.50% · 4.625%
HK$10,681
+HK$535/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$20,292/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,125
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,471
−HK$352/mo
Today · 4.125%
HK$11,823
baseline
▲ 0.50% · 4.625%
HK$12,542
+HK$719/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,646/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,377
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,709
−HK$336/mo
Today · 4.125%
HK$13,045
baseline
▲ 0.50% · 4.625%
HK$13,733
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,090/mo (50% DSR)
Upfront cash ≈ HK$271K (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).