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$6,220
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,414
−HK$197/mo
Today · 4.125%
HK$6,611
baseline
▲ 0.50% · 4.625%
HK$7,013
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,222/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,920
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,106
−HK$188/mo
Today · 4.125%
HK$7,294
baseline
▲ 0.50% · 4.625%
HK$7,679
+HK$385/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,588/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,465
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,697
−HK$236/mo
Today · 4.125%
HK$7,933
baseline
▲ 0.50% · 4.625%
HK$8,415
+HK$482/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,866/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,304
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,527
−HK$226/mo
Today · 4.125%
HK$8,753
baseline
▲ 0.50% · 4.625%
HK$9,214
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,506/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,709
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,980
−HK$275/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,818
+HK$563/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$18,510/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,688
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,948
−HK$264/mo
Today · 4.125%
HK$10,212
baseline
▲ 0.50% · 4.625%
HK$10,750
+HK$538/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$20,424/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,197
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,545
−HK$354/mo
Today · 4.125%
HK$11,899
baseline
▲ 0.50% · 4.625%
HK$12,623
+HK$724/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,798/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,456
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,790
−HK$339/mo
Today · 4.125%
HK$13,129
baseline
▲ 0.50% · 4.625%
HK$13,821
+HK$692/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,258/mo (50% DSR)
Upfront cash ≈ HK$273K (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).