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$6,268
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$198/mo
Today · 4.125%
HK$6,661
baseline
▲ 0.50% · 4.625%
HK$7,066
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,322/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$6,973
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,160
−HK$190/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,737
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,700/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$7,521
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,755
−HK$238/mo
Today · 4.125%
HK$7,993
baseline
▲ 0.50% · 4.625%
HK$8,479
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,986/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$8,367
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,592
−HK$227/mo
Today · 4.125%
HK$8,819
baseline
▲ 0.50% · 4.625%
HK$9,284
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,638/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$8,775
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,048
−HK$277/mo
Today · 4.125%
HK$9,325
baseline
▲ 0.50% · 4.625%
HK$9,893
+HK$568/mo
Deposit HK$825K · loan HK$1.92M · min. income ≈ HK$18,650/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,762
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,024
−HK$265/mo
Today · 4.125%
HK$10,289
baseline
▲ 0.50% · 4.625%
HK$10,832
+HK$543/mo
Deposit HK$825K · loan HK$1.92M · min. income ≈ HK$20,578/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,282
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,633
−HK$356/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,719
+HK$730/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,978/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,551
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,888
−HK$341/mo
Today · 4.125%
HK$13,229
baseline
▲ 0.50% · 4.625%
HK$13,927
+HK$698/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,458/mo (50% DSR)
Upfront cash ≈ HK$275K (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).