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$6,200
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,393
−HK$196/mo
Today · 4.125%
HK$6,589
baseline
▲ 0.50% · 4.625%
HK$6,990
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,178/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$6,898
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,083
−HK$187/mo
Today · 4.125%
HK$7,270
baseline
▲ 0.50% · 4.625%
HK$7,653
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,540/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$7,440
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,672
−HK$235/mo
Today · 4.125%
HK$7,907
baseline
▲ 0.50% · 4.625%
HK$8,388
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,814/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$8,277
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,499
−HK$225/mo
Today · 4.125%
HK$8,724
baseline
▲ 0.50% · 4.625%
HK$9,184
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,448/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$8,680
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,950
−HK$274/mo
Today · 4.125%
HK$9,224
baseline
▲ 0.50% · 4.625%
HK$9,786
+HK$562/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$18,448/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$9,657
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,916
−HK$262/mo
Today · 4.125%
HK$10,178
baseline
▲ 0.50% · 4.625%
HK$10,715
+HK$537/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$20,356/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$11,160
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,507
−HK$353/mo
Today · 4.125%
HK$11,860
baseline
▲ 0.50% · 4.625%
HK$12,582
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,720/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$12,416
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,749
−HK$337/mo
Today · 4.125%
HK$13,086
baseline
▲ 0.50% · 4.625%
HK$13,776
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,172/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).