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$6,290
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,486
−HK$198/mo
Today · 4.125%
HK$6,684
baseline
▲ 0.50% · 4.625%
HK$7,091
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,368/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,997
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,185
−HK$191/mo
Today · 4.125%
HK$7,376
baseline
▲ 0.50% · 4.625%
HK$7,764
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,752/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,548
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,783
−HK$238/mo
Today · 4.125%
HK$8,021
baseline
▲ 0.50% · 4.625%
HK$8,509
+HK$488/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,042/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$8,397
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,622
−HK$229/mo
Today · 4.125%
HK$8,851
baseline
▲ 0.50% · 4.625%
HK$9,317
+HK$466/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,702/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$8,806
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,080
−HK$278/mo
Today · 4.125%
HK$9,358
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,716/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,796
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,059
−HK$267/mo
Today · 4.125%
HK$10,326
baseline
▲ 0.50% · 4.625%
HK$10,870
+HK$544/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,652/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,322
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,674
−HK$358/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,064/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,595
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,933
−HK$343/mo
Today · 4.125%
HK$13,276
baseline
▲ 0.50% · 4.625%
HK$13,976
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,552/mo (50% DSR)
Upfront cash ≈ HK$276K (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).