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$6,293
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,489
−HK$198/mo
Today · 4.125%
HK$6,687
baseline
▲ 0.50% · 4.625%
HK$7,094
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,374/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,001
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,188
−HK$191/mo
Today · 4.125%
HK$7,379
baseline
▲ 0.50% · 4.625%
HK$7,768
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,758/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,551
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,786
−HK$239/mo
Today · 4.125%
HK$8,025
baseline
▲ 0.50% · 4.625%
HK$8,513
+HK$488/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,050/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$8,401
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,626
−HK$229/mo
Today · 4.125%
HK$8,855
baseline
▲ 0.50% · 4.625%
HK$9,321
+HK$466/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,710/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$8,810
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,084
−HK$278/mo
Today · 4.125%
HK$9,362
baseline
▲ 0.50% · 4.625%
HK$9,932
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,724/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,801
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,064
−HK$267/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,875
+HK$544/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,662/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,327
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,679
−HK$358/mo
Today · 4.125%
HK$12,037
baseline
▲ 0.50% · 4.625%
HK$12,770
+HK$733/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,074/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,601
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,939
−HK$343/mo
Today · 4.125%
HK$13,282
baseline
▲ 0.50% · 4.625%
HK$13,982
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,564/mo (50% DSR)
Upfront cash ≈ HK$276K (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).