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$6,237
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,431
−HK$198/mo
Today · 4.125%
HK$6,629
baseline
▲ 0.50% · 4.625%
HK$7,032
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,258/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$6,939
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,125
−HK$189/mo
Today · 4.125%
HK$7,314
baseline
▲ 0.50% · 4.625%
HK$7,699
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,628/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$7,485
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,718
−HK$236/mo
Today · 4.125%
HK$7,954
baseline
▲ 0.50% · 4.625%
HK$8,438
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,908/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$8,327
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,550
−HK$227/mo
Today · 4.125%
HK$8,777
baseline
▲ 0.50% · 4.625%
HK$9,239
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,554/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$8,732
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,004
−HK$276/mo
Today · 4.125%
HK$9,280
baseline
▲ 0.50% · 4.625%
HK$9,845
+HK$565/mo
Deposit HK$821K · loan HK$1.91M · min. income ≈ HK$18,560/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,715
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,975
−HK$264/mo
Today · 4.125%
HK$10,239
baseline
▲ 0.50% · 4.625%
HK$10,779
+HK$540/mo
Deposit HK$821K · loan HK$1.91M · min. income ≈ HK$20,478/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,227
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,576
−HK$355/mo
Today · 4.125%
HK$11,931
baseline
▲ 0.50% · 4.625%
HK$12,657
+HK$726/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,862/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,490
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$340/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,859
+HK$694/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,330/mo (50% DSR)
Upfront cash ≈ HK$274K (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).