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$6,220
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,413
−HK$197/mo
Today · 4.125%
HK$6,610
baseline
▲ 0.50% · 4.625%
HK$7,012
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,220/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$6,920
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,105
−HK$188/mo
Today · 4.125%
HK$7,293
baseline
▲ 0.50% · 4.625%
HK$7,678
+HK$385/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,586/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$7,464
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,696
−HK$236/mo
Today · 4.125%
HK$7,932
baseline
▲ 0.50% · 4.625%
HK$8,415
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,864/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$8,304
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,526
−HK$226/mo
Today · 4.125%
HK$8,752
baseline
▲ 0.50% · 4.625%
HK$9,214
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,504/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$8,708
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,979
−HK$275/mo
Today · 4.125%
HK$9,254
baseline
▲ 0.50% · 4.625%
HK$9,817
+HK$563/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$18,508/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,687
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,947
−HK$264/mo
Today · 4.125%
HK$10,211
baseline
▲ 0.50% · 4.625%
HK$10,749
+HK$538/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$20,422/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,196
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,544
−HK$354/mo
Today · 4.125%
HK$11,898
baseline
▲ 0.50% · 4.625%
HK$12,622
+HK$724/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$23,796/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$12,455
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,789
−HK$339/mo
Today · 4.125%
HK$13,128
baseline
▲ 0.50% · 4.625%
HK$13,820
+HK$692/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$26,256/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).