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$6,230
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,423
−HK$197/mo
Today · 4.125%
HK$6,620
baseline
▲ 0.50% · 4.625%
HK$7,023
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,240/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$6,930
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,116
−HK$189/mo
Today · 4.125%
HK$7,305
baseline
▲ 0.50% · 4.625%
HK$7,690
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,610/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$7,476
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,708
−HK$236/mo
Today · 4.125%
HK$7,944
baseline
▲ 0.50% · 4.625%
HK$8,428
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,888/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$8,317
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,540
−HK$226/mo
Today · 4.125%
HK$8,766
baseline
▲ 0.50% · 4.625%
HK$9,228
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,532/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$8,722
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,993
−HK$276/mo
Today · 4.125%
HK$9,269
baseline
▲ 0.50% · 4.625%
HK$9,832
+HK$563/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$18,538/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,703
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,963
−HK$264/mo
Today · 4.125%
HK$10,227
baseline
▲ 0.50% · 4.625%
HK$10,766
+HK$539/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$20,454/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,213
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,562
−HK$355/mo
Today · 4.125%
HK$11,917
baseline
▲ 0.50% · 4.625%
HK$12,642
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,834/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$12,475
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,809
−HK$340/mo
Today · 4.125%
HK$13,149
baseline
▲ 0.50% · 4.625%
HK$13,842
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,298/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).