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$6,199
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,391
−HK$196/mo
Today · 4.125%
HK$6,587
baseline
▲ 0.50% · 4.625%
HK$6,988
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,174/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$6,896
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,081
−HK$187/mo
Today · 4.125%
HK$7,268
baseline
▲ 0.50% · 4.625%
HK$7,652
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,536/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$7,438
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,670
−HK$235/mo
Today · 4.125%
HK$7,905
baseline
▲ 0.50% · 4.625%
HK$8,386
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,810/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$8,275
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,497
−HK$225/mo
Today · 4.125%
HK$8,722
baseline
▲ 0.50% · 4.625%
HK$9,182
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,444/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$8,678
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,948
−HK$274/mo
Today · 4.125%
HK$9,222
baseline
▲ 0.50% · 4.625%
HK$9,783
+HK$561/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$18,444/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,654
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,913
−HK$263/mo
Today · 4.125%
HK$10,176
baseline
▲ 0.50% · 4.625%
HK$10,712
+HK$536/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$20,352/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,157
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,505
−HK$352/mo
Today · 4.125%
HK$11,857
baseline
▲ 0.50% · 4.625%
HK$12,579
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,714/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,413
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,745
−HK$338/mo
Today · 4.125%
HK$13,083
baseline
▲ 0.50% · 4.625%
HK$13,773
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,166/mo (50% DSR)
Upfront cash ≈ HK$272K (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).