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$6,312
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,509
−HK$199/mo
Today · 4.125%
HK$6,708
baseline
▲ 0.50% · 4.625%
HK$7,116
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,416/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$7,023
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,211
−HK$191/mo
Today · 4.125%
HK$7,402
baseline
▲ 0.50% · 4.625%
HK$7,792
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,804/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$7,575
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,811
−HK$239/mo
Today · 4.125%
HK$8,050
baseline
▲ 0.50% · 4.625%
HK$8,540
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,100/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$8,427
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,653
−HK$229/mo
Today · 4.125%
HK$8,882
baseline
▲ 0.50% · 4.625%
HK$9,351
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,764/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$8,837
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,112
−HK$280/mo
Today · 4.125%
HK$9,392
baseline
▲ 0.50% · 4.625%
HK$9,963
+HK$571/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$18,784/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,832
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,095
−HK$268/mo
Today · 4.125%
HK$10,363
baseline
▲ 0.50% · 4.625%
HK$10,909
+HK$546/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$20,726/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,362
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,716
−HK$359/mo
Today · 4.125%
HK$12,075
baseline
▲ 0.50% · 4.625%
HK$12,810
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,150/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$12,641
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,980
−HK$343/mo
Today · 4.125%
HK$13,323
baseline
▲ 0.50% · 4.625%
HK$14,026
+HK$703/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,646/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).