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$6,239
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,433
−HK$198/mo
Today · 4.125%
HK$6,631
baseline
▲ 0.50% · 4.625%
HK$7,034
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,262/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$6,941
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,127
−HK$189/mo
Today · 4.125%
HK$7,316
baseline
▲ 0.50% · 4.625%
HK$7,702
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,632/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$7,487
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,720
−HK$237/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,441
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,914/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$8,329
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,553
−HK$226/mo
Today · 4.125%
HK$8,779
baseline
▲ 0.50% · 4.625%
HK$9,242
+HK$463/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,558/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$8,735
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,007
−HK$276/mo
Today · 4.125%
HK$9,283
baseline
▲ 0.50% · 4.625%
HK$9,848
+HK$565/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$18,566/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$9,718
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,978
−HK$265/mo
Today · 4.125%
HK$10,243
baseline
▲ 0.50% · 4.625%
HK$10,783
+HK$540/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$20,486/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$11,231
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,580
−HK$355/mo
Today · 4.125%
HK$11,935
baseline
▲ 0.50% · 4.625%
HK$12,661
+HK$726/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,870/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$12,494
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,829
−HK$340/mo
Today · 4.125%
HK$13,169
baseline
▲ 0.50% · 4.625%
HK$13,863
+HK$694/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,338/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).