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$6,263
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,458
−HK$198/mo
Today · 4.125%
HK$6,656
baseline
▲ 0.50% · 4.625%
HK$7,061
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,312/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$6,968
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,154
−HK$190/mo
Today · 4.125%
HK$7,344
baseline
▲ 0.50% · 4.625%
HK$7,731
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,688/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$7,516
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,749
−HK$238/mo
Today · 4.125%
HK$7,987
baseline
▲ 0.50% · 4.625%
HK$8,473
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,974/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$8,361
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,585
−HK$228/mo
Today · 4.125%
HK$8,813
baseline
▲ 0.50% · 4.625%
HK$9,277
+HK$464/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,626/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$8,768
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,041
−HK$277/mo
Today · 4.125%
HK$9,318
baseline
▲ 0.50% · 4.625%
HK$9,885
+HK$567/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$18,636/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$9,755
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,016
−HK$266/mo
Today · 4.125%
HK$10,282
baseline
▲ 0.50% · 4.625%
HK$10,824
+HK$542/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$20,564/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$11,274
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,624
−HK$356/mo
Today · 4.125%
HK$11,980
baseline
▲ 0.50% · 4.625%
HK$12,709
+HK$729/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,960/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$12,542
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,878
−HK$341/mo
Today · 4.125%
HK$13,219
baseline
▲ 0.50% · 4.625%
HK$13,916
+HK$697/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,438/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).