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$6,253
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,447
−HK$198/mo
Today · 4.125%
HK$6,645
baseline
▲ 0.50% · 4.625%
HK$7,049
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,290/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$6,956
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,143
−HK$189/mo
Today · 4.125%
HK$7,332
baseline
▲ 0.50% · 4.625%
HK$7,719
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,664/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$7,504
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,737
−HK$237/mo
Today · 4.125%
HK$7,974
baseline
▲ 0.50% · 4.625%
HK$8,459
+HK$485/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,948/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$8,348
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,572
−HK$227/mo
Today · 4.125%
HK$8,799
baseline
▲ 0.50% · 4.625%
HK$9,262
+HK$463/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,598/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$8,754
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,026
−HK$277/mo
Today · 4.125%
HK$9,303
baseline
▲ 0.50% · 4.625%
HK$9,869
+HK$566/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$18,606/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,739
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,000
−HK$265/mo
Today · 4.125%
HK$10,265
baseline
▲ 0.50% · 4.625%
HK$10,806
+HK$541/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$20,530/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,255
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,605
−HK$356/mo
Today · 4.125%
HK$11,961
baseline
▲ 0.50% · 4.625%
HK$12,689
+HK$728/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,922/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$12,521
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,857
−HK$341/mo
Today · 4.125%
HK$13,198
baseline
▲ 0.50% · 4.625%
HK$13,894
+HK$696/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,396/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).