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$6,218
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,411
−HK$196/mo
Today · 4.125%
HK$6,607
baseline
▲ 0.50% · 4.625%
HK$7,009
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,214/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$6,917
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,102
−HK$189/mo
Today · 4.125%
HK$7,291
baseline
▲ 0.50% · 4.625%
HK$7,675
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,582/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$7,461
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,693
−HK$236/mo
Today · 4.125%
HK$7,929
baseline
▲ 0.50% · 4.625%
HK$8,411
+HK$482/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,858/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$8,300
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,523
−HK$226/mo
Today · 4.125%
HK$8,749
baseline
▲ 0.50% · 4.625%
HK$9,210
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,498/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$8,705
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,975
−HK$275/mo
Today · 4.125%
HK$9,250
baseline
▲ 0.50% · 4.625%
HK$9,813
+HK$563/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$18,500/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,684
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,943
−HK$264/mo
Today · 4.125%
HK$10,207
baseline
▲ 0.50% · 4.625%
HK$10,745
+HK$538/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$20,414/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,192
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,540
−HK$353/mo
Today · 4.125%
HK$11,893
baseline
▲ 0.50% · 4.625%
HK$12,617
+HK$724/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$23,786/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$12,451
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,784
−HK$339/mo
Today · 4.125%
HK$13,123
baseline
▲ 0.50% · 4.625%
HK$13,815
+HK$692/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$26,246/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).