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$6,229
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,423
−HK$197/mo
Today · 4.125%
HK$6,620
baseline
▲ 0.50% · 4.625%
HK$7,023
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,240/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,930
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,116
−HK$188/mo
Today · 4.125%
HK$7,304
baseline
▲ 0.50% · 4.625%
HK$7,689
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,608/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,475
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,708
−HK$236/mo
Today · 4.125%
HK$7,944
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,888/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$8,316
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,539
−HK$226/mo
Today · 4.125%
HK$8,765
baseline
▲ 0.50% · 4.625%
HK$9,227
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,530/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$8,721
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$276/mo
Today · 4.125%
HK$9,268
baseline
▲ 0.50% · 4.625%
HK$9,832
+HK$564/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$18,536/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,702
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,962
−HK$264/mo
Today · 4.125%
HK$10,226
baseline
▲ 0.50% · 4.625%
HK$10,765
+HK$539/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$20,452/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,213
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,562
−HK$354/mo
Today · 4.125%
HK$11,916
baseline
▲ 0.50% · 4.625%
HK$12,641
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,832/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$12,474
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,809
−HK$339/mo
Today · 4.125%
HK$13,148
baseline
▲ 0.50% · 4.625%
HK$13,841
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,296/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).