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$6,184
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,376
−HK$196/mo
Today · 4.125%
HK$6,572
baseline
▲ 0.50% · 4.625%
HK$6,971
+HK$399/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,144/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$6,879
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,064
−HK$187/mo
Today · 4.125%
HK$7,251
baseline
▲ 0.50% · 4.625%
HK$7,633
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,502/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$7,420
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,651
−HK$235/mo
Today · 4.125%
HK$7,886
baseline
▲ 0.50% · 4.625%
HK$8,366
+HK$480/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,772/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,255
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,477
−HK$224/mo
Today · 4.125%
HK$8,701
baseline
▲ 0.50% · 4.625%
HK$9,160
+HK$459/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,402/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,657
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,927
−HK$273/mo
Today · 4.125%
HK$9,200
baseline
▲ 0.50% · 4.625%
HK$9,760
+HK$560/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,400/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,631
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,889
−HK$262/mo
Today · 4.125%
HK$10,151
baseline
▲ 0.50% · 4.625%
HK$10,687
+HK$536/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,302/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,131
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,477
−HK$352/mo
Today · 4.125%
HK$11,829
baseline
▲ 0.50% · 4.625%
HK$12,548
+HK$719/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,658/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,383
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,715
−HK$337/mo
Today · 4.125%
HK$13,052
baseline
▲ 0.50% · 4.625%
HK$13,740
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,104/mo (50% DSR)
Upfront cash ≈ HK$271K (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).