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$6,301
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,497
−HK$199/mo
Today · 4.125%
HK$6,696
baseline
▲ 0.50% · 4.625%
HK$7,103
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,392/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$7,010
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,198
−HK$190/mo
Today · 4.125%
HK$7,388
baseline
▲ 0.50% · 4.625%
HK$7,778
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,776/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$7,561
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,796
−HK$239/mo
Today · 4.125%
HK$8,035
baseline
▲ 0.50% · 4.625%
HK$8,524
+HK$489/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,070/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,412
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$229/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,333
+HK$467/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,732/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,821
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,096
−HK$278/mo
Today · 4.125%
HK$9,374
baseline
▲ 0.50% · 4.625%
HK$9,945
+HK$571/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$18,748/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,814
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,077
−HK$267/mo
Today · 4.125%
HK$10,344
baseline
▲ 0.50% · 4.625%
HK$10,889
+HK$545/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$20,688/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,342
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,694
−HK$359/mo
Today · 4.125%
HK$12,053
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$733/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,106/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$12,617
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,956
−HK$343/mo
Today · 4.125%
HK$13,299
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$701/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,598/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).