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$6,224
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,418
−HK$197/mo
Today · 4.125%
HK$6,615
baseline
▲ 0.50% · 4.625%
HK$7,017
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,230/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$6,924
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,110
−HK$188/mo
Today · 4.125%
HK$7,298
baseline
▲ 0.50% · 4.625%
HK$7,683
+HK$385/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,596/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$7,469
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,701
−HK$236/mo
Today · 4.125%
HK$7,937
baseline
▲ 0.50% · 4.625%
HK$8,420
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,874/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$8,309
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,532
−HK$226/mo
Today · 4.125%
HK$8,758
baseline
▲ 0.50% · 4.625%
HK$9,220
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,516/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$8,714
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,985
−HK$275/mo
Today · 4.125%
HK$9,260
baseline
▲ 0.50% · 4.625%
HK$9,824
+HK$564/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,520/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,694
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,954
−HK$264/mo
Today · 4.125%
HK$10,218
baseline
▲ 0.50% · 4.625%
HK$10,756
+HK$538/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,436/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,204
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$354/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,631
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,812/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,464
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,798
−HK$339/mo
Today · 4.125%
HK$13,137
baseline
▲ 0.50% · 4.625%
HK$13,830
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,274/mo (50% DSR)
Upfront cash ≈ HK$273K (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).