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$6,243
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,437
−HK$198/mo
Today · 4.125%
HK$6,635
baseline
▲ 0.50% · 4.625%
HK$7,038
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,270/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$6,945
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,132
−HK$189/mo
Today · 4.125%
HK$7,321
baseline
▲ 0.50% · 4.625%
HK$7,707
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,642/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$7,492
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,725
−HK$237/mo
Today · 4.125%
HK$7,962
baseline
▲ 0.50% · 4.625%
HK$8,446
+HK$484/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,924/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$8,335
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,558
−HK$227/mo
Today · 4.125%
HK$8,785
baseline
▲ 0.50% · 4.625%
HK$9,248
+HK$463/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,570/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$8,740
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$277/mo
Today · 4.125%
HK$9,289
baseline
▲ 0.50% · 4.625%
HK$9,854
+HK$565/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$18,578/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$9,724
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,984
−HK$265/mo
Today · 4.125%
HK$10,249
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$540/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$20,498/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$11,238
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,587
−HK$355/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,669
+HK$727/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,884/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$12,502
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$340/mo
Today · 4.125%
HK$13,177
baseline
▲ 0.50% · 4.625%
HK$13,872
+HK$695/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,354/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).