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$6,188
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,380
−HK$196/mo
Today · 4.125%
HK$6,576
baseline
▲ 0.50% · 4.625%
HK$6,976
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,152/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$6,884
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,069
−HK$187/mo
Today · 4.125%
HK$7,256
baseline
▲ 0.50% · 4.625%
HK$7,638
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,512/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$7,426
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$234/mo
Today · 4.125%
HK$7,891
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,782/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$8,261
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,482
−HK$225/mo
Today · 4.125%
HK$8,707
baseline
▲ 0.50% · 4.625%
HK$9,166
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,414/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$8,663
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,933
−HK$273/mo
Today · 4.125%
HK$9,206
baseline
▲ 0.50% · 4.625%
HK$9,767
+HK$561/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,412/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,638
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,896
−HK$262/mo
Today · 4.125%
HK$10,158
baseline
▲ 0.50% · 4.625%
HK$10,694
+HK$536/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,316/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,138
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,485
−HK$352/mo
Today · 4.125%
HK$11,837
baseline
▲ 0.50% · 4.625%
HK$12,557
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,674/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$12,391
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,724
−HK$337/mo
Today · 4.125%
HK$13,061
baseline
▲ 0.50% · 4.625%
HK$13,749
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,122/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).