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$6,292
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,488
−HK$198/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$7,000
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,187
−HK$191/mo
Today · 4.125%
HK$7,378
baseline
▲ 0.50% · 4.625%
HK$7,767
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,756/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$474/mo
▼ 0.25% · 3.875%
HK$7,785
−HK$239/mo
Today · 4.125%
HK$8,024
baseline
▲ 0.50% · 4.625%
HK$8,512
+HK$488/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,048/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$8,400
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,625
−HK$228/mo
Today · 4.125%
HK$8,853
baseline
▲ 0.50% · 4.625%
HK$9,320
+HK$467/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$8,809
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,083
−HK$278/mo
Today · 4.125%
HK$9,361
baseline
▲ 0.50% · 4.625%
HK$9,931
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,722/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$530/mo
▼ 0.25% · 3.875%
HK$10,062
−HK$267/mo
Today · 4.125%
HK$10,329
baseline
▲ 0.50% · 4.625%
HK$10,873
+HK$544/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,658/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$11,325
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,678
−HK$358/mo
Today · 4.125%
HK$12,036
baseline
▲ 0.50% · 4.625%
HK$12,768
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,072/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$12,599
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$343/mo
Today · 4.125%
HK$13,280
baseline
▲ 0.50% · 4.625%
HK$13,980
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,560/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).