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$6,190
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,383
−HK$195/mo
Today · 4.125%
HK$6,578
baseline
▲ 0.50% · 4.625%
HK$6,979
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,156/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$6,887
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,071
−HK$188/mo
Today · 4.125%
HK$7,259
baseline
▲ 0.50% · 4.625%
HK$7,641
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,518/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$7,428
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,659
−HK$235/mo
Today · 4.125%
HK$7,894
baseline
▲ 0.50% · 4.625%
HK$8,375
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,788/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$8,264
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,486
−HK$224/mo
Today · 4.125%
HK$8,710
baseline
▲ 0.50% · 4.625%
HK$9,170
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,420/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$8,666
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,936
−HK$274/mo
Today · 4.125%
HK$9,210
baseline
▲ 0.50% · 4.625%
HK$9,770
+HK$560/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,420/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,641
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,900
−HK$262/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,698
+HK$536/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,324/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,143
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,489
−HK$352/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,562
+HK$721/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,682/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$12,396
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,728
−HK$338/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,132/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).