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$6,307
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,503
−HK$199/mo
Today · 4.125%
HK$6,702
baseline
▲ 0.50% · 4.625%
HK$7,110
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,404/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$7,016
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,204
−HK$191/mo
Today · 4.125%
HK$7,395
baseline
▲ 0.50% · 4.625%
HK$7,785
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,790/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$7,568
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,803
−HK$239/mo
Today · 4.125%
HK$8,042
baseline
▲ 0.50% · 4.625%
HK$8,532
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,084/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$8,419
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,645
−HK$229/mo
Today · 4.125%
HK$8,874
baseline
▲ 0.50% · 4.625%
HK$9,342
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,748/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$8,829
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,104
−HK$279/mo
Today · 4.125%
HK$9,383
baseline
▲ 0.50% · 4.625%
HK$9,954
+HK$571/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$18,766/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,822
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,086
−HK$267/mo
Today · 4.125%
HK$10,353
baseline
▲ 0.50% · 4.625%
HK$10,899
+HK$546/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$20,706/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,352
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,705
−HK$359/mo
Today · 4.125%
HK$12,064
baseline
▲ 0.50% · 4.625%
HK$12,798
+HK$734/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,128/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$12,629
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$344/mo
Today · 4.125%
HK$13,311
baseline
▲ 0.50% · 4.625%
HK$14,013
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,622/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).