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$6,280
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,475
−HK$199/mo
Today · 4.125%
HK$6,674
baseline
▲ 0.50% · 4.625%
HK$7,080
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,348/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,986
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,174
−HK$190/mo
Today · 4.125%
HK$7,364
baseline
▲ 0.50% · 4.625%
HK$7,752
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,728/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,536
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,770
−HK$239/mo
Today · 4.125%
HK$8,009
baseline
▲ 0.50% · 4.625%
HK$8,496
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,018/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,384
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,609
−HK$228/mo
Today · 4.125%
HK$8,837
baseline
▲ 0.50% · 4.625%
HK$9,303
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,674/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,792
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,066
−HK$277/mo
Today · 4.125%
HK$9,343
baseline
▲ 0.50% · 4.625%
HK$9,912
+HK$569/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$18,686/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,781
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,043
−HK$266/mo
Today · 4.125%
HK$10,309
baseline
▲ 0.50% · 4.625%
HK$10,853
+HK$544/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$20,618/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,304
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,656
−HK$357/mo
Today · 4.125%
HK$12,013
baseline
▲ 0.50% · 4.625%
HK$12,744
+HK$731/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,026/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,576
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,913
−HK$342/mo
Today · 4.125%
HK$13,255
baseline
▲ 0.50% · 4.625%
HK$13,954
+HK$699/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,510/mo (50% DSR)
Upfront cash ≈ HK$276K (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).