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$6,316
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,513
−HK$199/mo
Today · 4.125%
HK$6,712
baseline
▲ 0.50% · 4.625%
HK$7,121
+HK$409/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,424/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,027
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,215
−HK$191/mo
Today · 4.125%
HK$7,406
baseline
▲ 0.50% · 4.625%
HK$7,797
+HK$391/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,812/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,580
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,815
−HK$240/mo
Today · 4.125%
HK$8,055
baseline
▲ 0.50% · 4.625%
HK$8,545
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,110/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,432
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,658
−HK$230/mo
Today · 4.125%
HK$8,888
baseline
▲ 0.50% · 4.625%
HK$9,356
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,776/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,843
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,118
−HK$279/mo
Today · 4.125%
HK$9,397
baseline
▲ 0.50% · 4.625%
HK$9,969
+HK$572/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,794/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,837
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,101
−HK$268/mo
Today · 4.125%
HK$10,369
baseline
▲ 0.50% · 4.625%
HK$10,916
+HK$547/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,738/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,369
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,723
−HK$359/mo
Today · 4.125%
HK$12,082
baseline
▲ 0.50% · 4.625%
HK$12,817
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,164/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,648
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,987
−HK$345/mo
Today · 4.125%
HK$13,332
baseline
▲ 0.50% · 4.625%
HK$14,034
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,664/mo (50% DSR)
Upfront cash ≈ HK$277K (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).