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$6,217
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,410
−HK$196/mo
Today · 4.125%
HK$6,606
baseline
▲ 0.50% · 4.625%
HK$7,008
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,212/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$6,916
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,101
−HK$188/mo
Today · 4.125%
HK$7,289
baseline
▲ 0.50% · 4.625%
HK$7,674
+HK$385/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,578/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$7,460
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$236/mo
Today · 4.125%
HK$7,928
baseline
▲ 0.50% · 4.625%
HK$8,410
+HK$482/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,856/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$8,299
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,522
−HK$225/mo
Today · 4.125%
HK$8,747
baseline
▲ 0.50% · 4.625%
HK$9,208
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,494/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$8,703
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,974
−HK$275/mo
Today · 4.125%
HK$9,249
baseline
▲ 0.50% · 4.625%
HK$9,812
+HK$563/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$18,498/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$9,682
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,942
−HK$263/mo
Today · 4.125%
HK$10,205
baseline
▲ 0.50% · 4.625%
HK$10,743
+HK$538/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$20,410/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$11,190
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,538
−HK$353/mo
Today · 4.125%
HK$11,891
baseline
▲ 0.50% · 4.625%
HK$12,615
+HK$724/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$23,782/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$12,448
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,782
−HK$339/mo
Today · 4.125%
HK$13,121
baseline
▲ 0.50% · 4.625%
HK$13,813
+HK$692/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$26,242/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).