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$6,297
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$199/mo
Today · 4.125%
HK$6,692
baseline
▲ 0.50% · 4.625%
HK$7,099
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,384/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$7,005
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,193
−HK$191/mo
Today · 4.125%
HK$7,384
baseline
▲ 0.50% · 4.625%
HK$7,773
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,768/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$7,557
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,792
−HK$238/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,519
+HK$489/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,060/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$8,407
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,632
−HK$229/mo
Today · 4.125%
HK$8,861
baseline
▲ 0.50% · 4.625%
HK$9,328
+HK$467/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,722/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$8,816
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$279/mo
Today · 4.125%
HK$9,369
baseline
▲ 0.50% · 4.625%
HK$9,939
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,738/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$9,808
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,071
−HK$267/mo
Today · 4.125%
HK$10,338
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$544/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,676/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$11,335
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,687
−HK$359/mo
Today · 4.125%
HK$12,046
baseline
▲ 0.50% · 4.625%
HK$12,779
+HK$733/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,092/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$12,610
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,948
−HK$343/mo
Today · 4.125%
HK$13,291
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$701/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,582/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).