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$6,215
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,408
−HK$196/mo
Today · 4.125%
HK$6,604
baseline
▲ 0.50% · 4.625%
HK$7,006
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,208/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$6,914
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,099
−HK$188/mo
Today · 4.125%
HK$7,287
baseline
▲ 0.50% · 4.625%
HK$7,671
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,574/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$7,457
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,689
−HK$236/mo
Today · 4.125%
HK$7,925
baseline
▲ 0.50% · 4.625%
HK$8,407
+HK$482/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,850/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$8,296
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,519
−HK$226/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,206
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,490/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$8,700
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,971
−HK$275/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,809
+HK$563/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$18,492/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$9,679
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,939
−HK$263/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,740
+HK$538/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$20,404/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$11,186
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,534
−HK$354/mo
Today · 4.125%
HK$11,888
baseline
▲ 0.50% · 4.625%
HK$12,611
+HK$723/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$23,776/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$12,445
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,778
−HK$339/mo
Today · 4.125%
HK$13,117
baseline
▲ 0.50% · 4.625%
HK$13,808
+HK$691/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$26,234/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).