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$6,243
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,437
−HK$197/mo
Today · 4.125%
HK$6,634
baseline
▲ 0.50% · 4.625%
HK$7,038
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,268/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,945
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,131
−HK$189/mo
Today · 4.125%
HK$7,320
baseline
▲ 0.50% · 4.625%
HK$7,706
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,640/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,491
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,724
−HK$237/mo
Today · 4.125%
HK$7,961
baseline
▲ 0.50% · 4.625%
HK$8,446
+HK$485/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,922/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$8,334
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,558
−HK$226/mo
Today · 4.125%
HK$8,784
baseline
▲ 0.50% · 4.625%
HK$9,247
+HK$463/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,568/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$8,740
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$276/mo
Today · 4.125%
HK$9,288
baseline
▲ 0.50% · 4.625%
HK$9,853
+HK$565/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$18,576/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,723
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,984
−HK$265/mo
Today · 4.125%
HK$10,249
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$540/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$20,498/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,237
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,587
−HK$355/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,668
+HK$726/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,884/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,501
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$340/mo
Today · 4.125%
HK$13,177
baseline
▲ 0.50% · 4.625%
HK$13,871
+HK$694/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,354/mo (50% DSR)
Upfront cash ≈ HK$274K (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).