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$6,232
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,426
−HK$197/mo
Today · 4.125%
HK$6,623
baseline
▲ 0.50% · 4.625%
HK$7,026
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,246/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$6,933
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,119
−HK$189/mo
Today · 4.125%
HK$7,308
baseline
▲ 0.50% · 4.625%
HK$7,693
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,616/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$7,478
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,711
−HK$236/mo
Today · 4.125%
HK$7,947
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,894/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$8,320
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,543
−HK$226/mo
Today · 4.125%
HK$8,769
baseline
▲ 0.50% · 4.625%
HK$9,231
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,538/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$8,725
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,996
−HK$276/mo
Today · 4.125%
HK$9,272
baseline
▲ 0.50% · 4.625%
HK$9,836
+HK$564/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$18,544/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,706
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,966
−HK$265/mo
Today · 4.125%
HK$10,231
baseline
▲ 0.50% · 4.625%
HK$10,770
+HK$539/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$20,462/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,218
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,566
−HK$355/mo
Today · 4.125%
HK$11,921
baseline
▲ 0.50% · 4.625%
HK$12,646
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,842/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$12,479
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,814
−HK$340/mo
Today · 4.125%
HK$13,154
baseline
▲ 0.50% · 4.625%
HK$13,847
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,308/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).