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$6,271
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,466
−HK$198/mo
Today · 4.125%
HK$6,664
baseline
▲ 0.50% · 4.625%
HK$7,070
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,328/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$6,977
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,164
−HK$189/mo
Today · 4.125%
HK$7,353
baseline
▲ 0.50% · 4.625%
HK$7,741
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,706/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$7,525
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,759
−HK$238/mo
Today · 4.125%
HK$7,997
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,994/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,372
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,596
−HK$228/mo
Today · 4.125%
HK$8,824
baseline
▲ 0.50% · 4.625%
HK$9,289
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,648/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,779
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,053
−HK$277/mo
Today · 4.125%
HK$9,330
baseline
▲ 0.50% · 4.625%
HK$9,898
+HK$568/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$18,660/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,767
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,029
−HK$266/mo
Today · 4.125%
HK$10,295
baseline
▲ 0.50% · 4.625%
HK$10,837
+HK$542/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$20,590/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,288
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,639
−HK$357/mo
Today · 4.125%
HK$11,996
baseline
▲ 0.50% · 4.625%
HK$12,726
+HK$730/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$23,992/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,558
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,894
−HK$342/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$13,934
+HK$698/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,472/mo (50% DSR)
Upfront cash ≈ HK$275K (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).