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$6,261
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,456
−HK$198/mo
Today · 4.125%
HK$6,654
baseline
▲ 0.50% · 4.625%
HK$7,059
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,308/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$6,966
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,153
−HK$189/mo
Today · 4.125%
HK$7,342
baseline
▲ 0.50% · 4.625%
HK$7,729
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,684/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$7,514
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,747
−HK$238/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,970/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$8,359
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,583
−HK$227/mo
Today · 4.125%
HK$8,810
baseline
▲ 0.50% · 4.625%
HK$9,275
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,620/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$8,766
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,039
−HK$277/mo
Today · 4.125%
HK$9,316
baseline
▲ 0.50% · 4.625%
HK$9,882
+HK$566/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$18,632/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,752
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,014
−HK$265/mo
Today · 4.125%
HK$10,279
baseline
▲ 0.50% · 4.625%
HK$10,821
+HK$542/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$20,558/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,271
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,621
−HK$356/mo
Today · 4.125%
HK$11,977
baseline
▲ 0.50% · 4.625%
HK$12,706
+HK$729/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,954/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,538
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,875
−HK$341/mo
Today · 4.125%
HK$13,216
baseline
▲ 0.50% · 4.625%
HK$13,912
+HK$696/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,432/mo (50% DSR)
Upfront cash ≈ HK$275K (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).