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$6,237
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,431
−HK$197/mo
Today · 4.125%
HK$6,628
baseline
▲ 0.50% · 4.625%
HK$7,031
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,256/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$6,938
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,124
−HK$189/mo
Today · 4.125%
HK$7,313
baseline
▲ 0.50% · 4.625%
HK$7,698
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,626/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$7,484
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,717
−HK$236/mo
Today · 4.125%
HK$7,953
baseline
▲ 0.50% · 4.625%
HK$8,437
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,906/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$8,326
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,549
−HK$227/mo
Today · 4.125%
HK$8,776
baseline
▲ 0.50% · 4.625%
HK$9,238
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,552/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$8,731
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,003
−HK$276/mo
Today · 4.125%
HK$9,279
baseline
▲ 0.50% · 4.625%
HK$9,843
+HK$564/mo
Deposit HK$821K · loan HK$1.91M · min. income ≈ HK$18,558/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,713
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,974
−HK$264/mo
Today · 4.125%
HK$10,238
baseline
▲ 0.50% · 4.625%
HK$10,778
+HK$540/mo
Deposit HK$821K · loan HK$1.91M · min. income ≈ HK$20,476/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,226
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,575
−HK$355/mo
Today · 4.125%
HK$11,930
baseline
▲ 0.50% · 4.625%
HK$12,656
+HK$726/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,860/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,489
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,824
−HK$339/mo
Today · 4.125%
HK$13,163
baseline
▲ 0.50% · 4.625%
HK$13,857
+HK$694/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,326/mo (50% DSR)
Upfront cash ≈ HK$274K (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).