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$6,291
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,487
−HK$199/mo
Today · 4.125%
HK$6,686
baseline
▲ 0.50% · 4.625%
HK$7,093
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,372/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$6,999
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,187
−HK$190/mo
Today · 4.125%
HK$7,377
baseline
▲ 0.50% · 4.625%
HK$7,766
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,754/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$7,550
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,784
−HK$239/mo
Today · 4.125%
HK$8,023
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$488/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,046/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$8,399
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,624
−HK$229/mo
Today · 4.125%
HK$8,853
baseline
▲ 0.50% · 4.625%
HK$9,319
+HK$466/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,706/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$8,808
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,082
−HK$278/mo
Today · 4.125%
HK$9,360
baseline
▲ 0.50% · 4.625%
HK$9,930
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,720/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,799
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,061
−HK$267/mo
Today · 4.125%
HK$10,328
baseline
▲ 0.50% · 4.625%
HK$10,872
+HK$544/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,656/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,324
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,677
−HK$357/mo
Today · 4.125%
HK$12,034
baseline
▲ 0.50% · 4.625%
HK$12,767
+HK$733/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,068/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$12,598
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,936
−HK$343/mo
Today · 4.125%
HK$13,279
baseline
▲ 0.50% · 4.625%
HK$13,979
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,558/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).