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$6,196
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$196/mo
Today · 4.125%
HK$6,585
baseline
▲ 0.50% · 4.625%
HK$6,985
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,170/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$6,893
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,078
−HK$188/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,649
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,532/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$7,435
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,667
−HK$235/mo
Today · 4.125%
HK$7,902
baseline
▲ 0.50% · 4.625%
HK$8,382
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,804/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$8,272
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,494
−HK$225/mo
Today · 4.125%
HK$8,719
baseline
▲ 0.50% · 4.625%
HK$9,178
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,438/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$8,675
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,944
−HK$275/mo
Today · 4.125%
HK$9,219
baseline
▲ 0.50% · 4.625%
HK$9,779
+HK$560/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,438/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,650
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,909
−HK$263/mo
Today · 4.125%
HK$10,172
baseline
▲ 0.50% · 4.625%
HK$10,708
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,344/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,153
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,500
−HK$352/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,574
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,704/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,408
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$338/mo
Today · 4.125%
HK$13,078
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$689/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,156/mo (50% DSR)
Upfront cash ≈ HK$272K (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).