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$6,226
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,420
−HK$197/mo
Today · 4.125%
HK$6,617
baseline
▲ 0.50% · 4.625%
HK$7,019
+HK$402/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,234/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$6,927
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,113
−HK$188/mo
Today · 4.125%
HK$7,301
baseline
▲ 0.50% · 4.625%
HK$7,686
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,602/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$7,472
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,704
−HK$236/mo
Today · 4.125%
HK$7,940
baseline
▲ 0.50% · 4.625%
HK$8,423
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,880/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$8,312
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,535
−HK$226/mo
Today · 4.125%
HK$8,761
baseline
▲ 0.50% · 4.625%
HK$9,223
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,522/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$8,717
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,988
−HK$276/mo
Today · 4.125%
HK$9,264
baseline
▲ 0.50% · 4.625%
HK$9,827
+HK$563/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,528/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,697
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,958
−HK$263/mo
Today · 4.125%
HK$10,221
baseline
▲ 0.50% · 4.625%
HK$10,760
+HK$539/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,442/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,207
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,556
−HK$354/mo
Today · 4.125%
HK$11,910
baseline
▲ 0.50% · 4.625%
HK$12,635
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,820/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$12,468
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,803
−HK$339/mo
Today · 4.125%
HK$13,142
baseline
▲ 0.50% · 4.625%
HK$13,834
+HK$692/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,284/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).