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$6,205
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,398
−HK$196/mo
Today · 4.125%
HK$6,594
baseline
▲ 0.50% · 4.625%
HK$6,995
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,188/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$6,903
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,088
−HK$188/mo
Today · 4.125%
HK$7,276
baseline
▲ 0.50% · 4.625%
HK$7,659
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,552/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$7,446
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,678
−HK$235/mo
Today · 4.125%
HK$7,913
baseline
▲ 0.50% · 4.625%
HK$8,394
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,826/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$8,284
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,506
−HK$225/mo
Today · 4.125%
HK$8,731
baseline
▲ 0.50% · 4.625%
HK$9,191
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,462/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$8,687
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,957
−HK$275/mo
Today · 4.125%
HK$9,232
baseline
▲ 0.50% · 4.625%
HK$9,793
+HK$561/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$18,464/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,664
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,923
−HK$263/mo
Today · 4.125%
HK$10,186
baseline
▲ 0.50% · 4.625%
HK$10,723
+HK$537/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$20,372/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,169
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,516
−HK$353/mo
Today · 4.125%
HK$11,869
baseline
▲ 0.50% · 4.625%
HK$12,592
+HK$723/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,738/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$12,425
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,759
−HK$338/mo
Today · 4.125%
HK$13,097
baseline
▲ 0.50% · 4.625%
HK$13,787
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,194/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).