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$6,190
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,382
−HK$196/mo
Today · 4.125%
HK$6,578
baseline
▲ 0.50% · 4.625%
HK$6,978
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,156/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$6,886
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,071
−HK$187/mo
Today · 4.125%
HK$7,258
baseline
▲ 0.50% · 4.625%
HK$7,641
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,516/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$7,428
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,659
−HK$235/mo
Today · 4.125%
HK$7,894
baseline
▲ 0.50% · 4.625%
HK$8,374
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,788/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$8,264
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,485
−HK$225/mo
Today · 4.125%
HK$8,710
baseline
▲ 0.50% · 4.625%
HK$9,169
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,420/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$8,666
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$274/mo
Today · 4.125%
HK$9,209
baseline
▲ 0.50% · 4.625%
HK$9,770
+HK$561/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,418/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,641
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,899
−HK$263/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,697
+HK$535/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,324/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,142
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,488
−HK$353/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,561
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,682/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$12,395
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,728
−HK$337/mo
Today · 4.125%
HK$13,065
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$689/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,130/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).