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$6,272
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,467
−HK$199/mo
Today · 4.125%
HK$6,666
baseline
▲ 0.50% · 4.625%
HK$7,071
+HK$405/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,332/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$6,978
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,165
−HK$190/mo
Today · 4.125%
HK$7,355
baseline
▲ 0.50% · 4.625%
HK$7,742
+HK$387/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,710/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$7,527
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,761
−HK$238/mo
Today · 4.125%
HK$7,999
baseline
▲ 0.50% · 4.625%
HK$8,485
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,998/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$8,373
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,598
−HK$228/mo
Today · 4.125%
HK$8,826
baseline
▲ 0.50% · 4.625%
HK$9,291
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,652/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$8,781
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,054
−HK$278/mo
Today · 4.125%
HK$9,332
baseline
▲ 0.50% · 4.625%
HK$9,900
+HK$568/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$18,664/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,769
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,031
−HK$266/mo
Today · 4.125%
HK$10,297
baseline
▲ 0.50% · 4.625%
HK$10,839
+HK$542/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$20,594/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,290
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$357/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,728
+HK$730/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$23,996/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,560
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$342/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$697/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,478/mo (50% DSR)
Upfront cash ≈ HK$275K (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).