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$6,201
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,394
−HK$196/mo
Today · 4.125%
HK$6,590
baseline
▲ 0.50% · 4.625%
HK$6,991
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,180/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$6,899
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,084
−HK$187/mo
Today · 4.125%
HK$7,271
baseline
▲ 0.50% · 4.625%
HK$7,655
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,542/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$7,441
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,673
−HK$235/mo
Today · 4.125%
HK$7,908
baseline
▲ 0.50% · 4.625%
HK$8,389
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,816/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$8,278
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,500
−HK$226/mo
Today · 4.125%
HK$8,726
baseline
▲ 0.50% · 4.625%
HK$9,186
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,452/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$8,681
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,952
−HK$274/mo
Today · 4.125%
HK$9,226
baseline
▲ 0.50% · 4.625%
HK$9,787
+HK$561/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$18,452/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,658
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,917
−HK$263/mo
Today · 4.125%
HK$10,180
baseline
▲ 0.50% · 4.625%
HK$10,716
+HK$536/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$20,360/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,162
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,509
−HK$353/mo
Today · 4.125%
HK$11,862
baseline
▲ 0.50% · 4.625%
HK$12,584
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,724/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,417
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,751
−HK$337/mo
Today · 4.125%
HK$13,088
baseline
▲ 0.50% · 4.625%
HK$13,778
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,176/mo (50% DSR)
Upfront cash ≈ HK$272K (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).