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$6,226
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,419
−HK$197/mo
Today · 4.125%
HK$6,616
baseline
▲ 0.50% · 4.625%
HK$7,019
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,232/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$6,926
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,112
−HK$188/mo
Today · 4.125%
HK$7,300
baseline
▲ 0.50% · 4.625%
HK$7,685
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,600/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$7,471
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,703
−HK$236/mo
Today · 4.125%
HK$7,939
baseline
▲ 0.50% · 4.625%
HK$8,422
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,878/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$8,311
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,534
−HK$226/mo
Today · 4.125%
HK$8,760
baseline
▲ 0.50% · 4.625%
HK$9,222
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,520/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$8,716
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,987
−HK$276/mo
Today · 4.125%
HK$9,263
baseline
▲ 0.50% · 4.625%
HK$9,826
+HK$563/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,526/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,697
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,957
−HK$263/mo
Today · 4.125%
HK$10,220
baseline
▲ 0.50% · 4.625%
HK$10,759
+HK$539/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,440/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,206
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,555
−HK$354/mo
Today · 4.125%
HK$11,909
baseline
▲ 0.50% · 4.625%
HK$12,634
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,818/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$12,467
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,801
−HK$340/mo
Today · 4.125%
HK$13,141
baseline
▲ 0.50% · 4.625%
HK$13,833
+HK$692/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,282/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).