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$396/mo
▼ 0.25% · 3.875%
HK$6,504
−HK$199/mo
Today · 4.125%
HK$6,703
baseline
▲ 0.50% · 4.625%
HK$7,111
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,406/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$7,017
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,205
−HK$191/mo
Today · 4.125%
HK$7,396
baseline
▲ 0.50% · 4.625%
HK$7,786
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,792/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$7,569
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,804
−HK$240/mo
Today · 4.125%
HK$8,044
baseline
▲ 0.50% · 4.625%
HK$8,533
+HK$489/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,088/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$8,420
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,646
−HK$229/mo
Today · 4.125%
HK$8,875
baseline
▲ 0.50% · 4.625%
HK$9,343
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,750/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$8,830
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,105
−HK$279/mo
Today · 4.125%
HK$9,384
baseline
▲ 0.50% · 4.625%
HK$9,955
+HK$571/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$18,768/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$9,824
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,087
−HK$268/mo
Today · 4.125%
HK$10,355
baseline
▲ 0.50% · 4.625%
HK$10,900
+HK$545/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$20,710/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$11,353
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,707
−HK$358/mo
Today · 4.125%
HK$12,065
baseline
▲ 0.50% · 4.625%
HK$12,800
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,130/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$12,631
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,969
−HK$344/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,015
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,626/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).