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$6,180
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,372
−HK$195/mo
Today · 4.125%
HK$6,567
baseline
▲ 0.50% · 4.625%
HK$6,967
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,134/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$6,875
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,059
−HK$188/mo
Today · 4.125%
HK$7,247
baseline
▲ 0.50% · 4.625%
HK$7,629
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,494/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$7,416
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,647
−HK$234/mo
Today · 4.125%
HK$7,881
baseline
▲ 0.50% · 4.625%
HK$8,360
+HK$479/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,762/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,250
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,471
−HK$225/mo
Today · 4.125%
HK$8,696
baseline
▲ 0.50% · 4.625%
HK$9,154
+HK$458/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,392/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,652
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$273/mo
Today · 4.125%
HK$9,194
baseline
▲ 0.50% · 4.625%
HK$9,754
+HK$560/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$18,388/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,625
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,883
−HK$262/mo
Today · 4.125%
HK$10,145
baseline
▲ 0.50% · 4.625%
HK$10,680
+HK$535/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$20,290/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,124
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,470
−HK$351/mo
Today · 4.125%
HK$11,821
baseline
▲ 0.50% · 4.625%
HK$12,541
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,642/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,375
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,707
−HK$337/mo
Today · 4.125%
HK$13,044
baseline
▲ 0.50% · 4.625%
HK$13,731
+HK$687/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,088/mo (50% DSR)
Upfront cash ≈ HK$271K (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).