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$6,268
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$198/mo
Today · 4.125%
HK$6,661
baseline
▲ 0.50% · 4.625%
HK$7,067
+HK$406/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,322/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$6,973
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,160
−HK$190/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$388/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,700/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$7,522
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,756
−HK$238/mo
Today · 4.125%
HK$7,994
baseline
▲ 0.50% · 4.625%
HK$8,480
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,988/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$8,368
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$227/mo
Today · 4.125%
HK$8,820
baseline
▲ 0.50% · 4.625%
HK$9,285
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,640/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$8,776
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,049
−HK$277/mo
Today · 4.125%
HK$9,326
baseline
▲ 0.50% · 4.625%
HK$9,893
+HK$567/mo
Deposit HK$825K · loan HK$1.92M · min. income ≈ HK$18,652/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$9,763
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,025
−HK$265/mo
Today · 4.125%
HK$10,290
baseline
▲ 0.50% · 4.625%
HK$10,833
+HK$543/mo
Deposit HK$825K · loan HK$1.92M · min. income ≈ HK$20,580/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$11,283
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,634
−HK$356/mo
Today · 4.125%
HK$11,990
baseline
▲ 0.50% · 4.625%
HK$12,720
+HK$730/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,980/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$12,552
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,889
−HK$341/mo
Today · 4.125%
HK$13,230
baseline
▲ 0.50% · 4.625%
HK$13,928
+HK$698/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,460/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).