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$6,260
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,454
−HK$198/mo
Today · 4.125%
HK$6,652
baseline
▲ 0.50% · 4.625%
HK$7,057
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,304/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$6,964
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,151
−HK$189/mo
Today · 4.125%
HK$7,340
baseline
▲ 0.50% · 4.625%
HK$7,727
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,680/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$7,512
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,745
−HK$238/mo
Today · 4.125%
HK$7,983
baseline
▲ 0.50% · 4.625%
HK$8,468
+HK$485/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,966/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$8,357
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,581
−HK$227/mo
Today · 4.125%
HK$8,808
baseline
▲ 0.50% · 4.625%
HK$9,272
+HK$464/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,616/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$8,764
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,036
−HK$277/mo
Today · 4.125%
HK$9,313
baseline
▲ 0.50% · 4.625%
HK$9,880
+HK$567/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$18,626/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,749
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,011
−HK$265/mo
Today · 4.125%
HK$10,276
baseline
▲ 0.50% · 4.625%
HK$10,818
+HK$542/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$20,552/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,267
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,618
−HK$356/mo
Today · 4.125%
HK$11,974
baseline
▲ 0.50% · 4.625%
HK$12,703
+HK$729/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,948/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,535
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,871
−HK$341/mo
Today · 4.125%
HK$13,212
baseline
▲ 0.50% · 4.625%
HK$13,909
+HK$697/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,424/mo (50% DSR)
Upfront cash ≈ HK$275K (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).