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$6,210
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,403
−HK$197/mo
Today · 4.125%
HK$6,600
baseline
▲ 0.50% · 4.625%
HK$7,001
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,200/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$6,909
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,094
−HK$188/mo
Today · 4.125%
HK$7,282
baseline
▲ 0.50% · 4.625%
HK$7,666
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,564/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$7,452
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,684
−HK$236/mo
Today · 4.125%
HK$7,920
baseline
▲ 0.50% · 4.625%
HK$8,401
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,840/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$8,291
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$225/mo
Today · 4.125%
HK$8,738
baseline
▲ 0.50% · 4.625%
HK$9,199
+HK$461/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,476/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$8,694
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$274/mo
Today · 4.125%
HK$9,239
baseline
▲ 0.50% · 4.625%
HK$9,802
+HK$563/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$18,478/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,672
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,932
−HK$263/mo
Today · 4.125%
HK$10,195
baseline
▲ 0.50% · 4.625%
HK$10,732
+HK$537/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$20,390/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,178
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$353/mo
Today · 4.125%
HK$11,879
baseline
▲ 0.50% · 4.625%
HK$12,602
+HK$723/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,758/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$12,436
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,769
−HK$339/mo
Today · 4.125%
HK$13,108
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$691/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,216/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).