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$6,209
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,402
−HK$197/mo
Today · 4.125%
HK$6,599
baseline
▲ 0.50% · 4.625%
HK$7,000
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,198/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,908
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,093
−HK$188/mo
Today · 4.125%
HK$7,281
baseline
▲ 0.50% · 4.625%
HK$7,665
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,562/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,451
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,683
−HK$235/mo
Today · 4.125%
HK$7,918
baseline
▲ 0.50% · 4.625%
HK$8,400
+HK$482/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,836/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$8,289
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$226/mo
Today · 4.125%
HK$8,737
baseline
▲ 0.50% · 4.625%
HK$9,197
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,474/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$8,693
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,963
−HK$275/mo
Today · 4.125%
HK$9,238
baseline
▲ 0.50% · 4.625%
HK$9,800
+HK$562/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$18,476/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,671
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,930
−HK$263/mo
Today · 4.125%
HK$10,193
baseline
▲ 0.50% · 4.625%
HK$10,730
+HK$537/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$20,386/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,176
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$353/mo
Today · 4.125%
HK$11,877
baseline
▲ 0.50% · 4.625%
HK$12,600
+HK$723/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,754/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,434
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,767
−HK$338/mo
Today · 4.125%
HK$13,105
baseline
▲ 0.50% · 4.625%
HK$13,796
+HK$691/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,210/mo (50% DSR)
Upfront cash ≈ HK$272K (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).