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$6,235
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,429
−HK$197/mo
Today · 4.125%
HK$6,626
baseline
▲ 0.50% · 4.625%
HK$7,029
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,252/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$6,937
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,123
−HK$188/mo
Today · 4.125%
HK$7,311
baseline
▲ 0.50% · 4.625%
HK$7,697
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,622/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$7,482
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,715
−HK$236/mo
Today · 4.125%
HK$7,951
baseline
▲ 0.50% · 4.625%
HK$8,435
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,902/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$8,324
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,547
−HK$227/mo
Today · 4.125%
HK$8,774
baseline
▲ 0.50% · 4.625%
HK$9,236
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,548/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$8,729
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$276/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$564/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$18,554/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,711
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,972
−HK$264/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,775
+HK$539/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$20,472/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,223
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,572
−HK$355/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,653
+HK$726/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,854/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$12,486
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,821
−HK$339/mo
Today · 4.125%
HK$13,160
baseline
▲ 0.50% · 4.625%
HK$13,854
+HK$694/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,320/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).