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$6,304
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,500
−HK$200/mo
Today · 4.125%
HK$6,700
baseline
▲ 0.50% · 4.625%
HK$7,107
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,400/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,013
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,202
−HK$190/mo
Today · 4.125%
HK$7,392
baseline
▲ 0.50% · 4.625%
HK$7,782
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,784/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,565
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,800
−HK$240/mo
Today · 4.125%
HK$8,040
baseline
▲ 0.50% · 4.625%
HK$8,529
+HK$489/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,080/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,416
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,642
−HK$229/mo
Today · 4.125%
HK$8,871
baseline
▲ 0.50% · 4.625%
HK$9,338
+HK$467/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,742/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,826
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,101
−HK$278/mo
Today · 4.125%
HK$9,379
baseline
▲ 0.50% · 4.625%
HK$9,950
+HK$571/mo
Deposit HK$829K · loan HK$1.94M · min. income ≈ HK$18,758/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,819
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,082
−HK$267/mo
Today · 4.125%
HK$10,349
baseline
▲ 0.50% · 4.625%
HK$10,895
+HK$546/mo
Deposit HK$829K · loan HK$1.94M · min. income ≈ HK$20,698/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,348
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,701
−HK$358/mo
Today · 4.125%
HK$12,059
baseline
▲ 0.50% · 4.625%
HK$12,793
+HK$734/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,118/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,624
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,963
−HK$343/mo
Today · 4.125%
HK$13,306
baseline
▲ 0.50% · 4.625%
HK$14,008
+HK$702/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,612/mo (50% DSR)
Upfront cash ≈ HK$277K (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).