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$6,271
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,467
−HK$198/mo
Today · 4.125%
HK$6,665
baseline
▲ 0.50% · 4.625%
HK$7,070
+HK$405/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,330/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$6,977
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,164
−HK$190/mo
Today · 4.125%
HK$7,354
baseline
▲ 0.50% · 4.625%
HK$7,741
+HK$387/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,708/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$7,526
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,760
−HK$238/mo
Today · 4.125%
HK$7,998
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,996/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$8,372
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,597
−HK$228/mo
Today · 4.125%
HK$8,825
baseline
▲ 0.50% · 4.625%
HK$9,290
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,650/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$8,780
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,053
−HK$278/mo
Today · 4.125%
HK$9,331
baseline
▲ 0.50% · 4.625%
HK$9,898
+HK$567/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$18,662/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,768
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,030
−HK$265/mo
Today · 4.125%
HK$10,295
baseline
▲ 0.50% · 4.625%
HK$10,838
+HK$543/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$20,590/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,289
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,640
−HK$357/mo
Today · 4.125%
HK$11,997
baseline
▲ 0.50% · 4.625%
HK$12,726
+HK$729/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$23,994/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$12,558
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,895
−HK$342/mo
Today · 4.125%
HK$13,237
baseline
▲ 0.50% · 4.625%
HK$13,935
+HK$698/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,474/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).