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$6,221
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,415
−HK$196/mo
Today · 4.125%
HK$6,611
baseline
▲ 0.50% · 4.625%
HK$7,014
+HK$403/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,222/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$6,921
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,107
−HK$188/mo
Today · 4.125%
HK$7,295
baseline
▲ 0.50% · 4.625%
HK$7,680
+HK$385/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,590/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$7,465
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,698
−HK$236/mo
Today · 4.125%
HK$7,934
baseline
▲ 0.50% · 4.625%
HK$8,416
+HK$482/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,868/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$8,305
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,528
−HK$226/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,215
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,508/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$8,710
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,981
−HK$275/mo
Today · 4.125%
HK$9,256
baseline
▲ 0.50% · 4.625%
HK$9,819
+HK$563/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$18,512/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,690
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,949
−HK$264/mo
Today · 4.125%
HK$10,213
baseline
▲ 0.50% · 4.625%
HK$10,751
+HK$538/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$20,426/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,198
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,547
−HK$353/mo
Today · 4.125%
HK$11,900
baseline
▲ 0.50% · 4.625%
HK$12,625
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,800/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,458
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$339/mo
Today · 4.125%
HK$13,131
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$692/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,262/mo (50% DSR)
Upfront cash ≈ HK$273K (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).