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$6,277
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,473
−HK$198/mo
Today · 4.125%
HK$6,671
baseline
▲ 0.50% · 4.625%
HK$7,077
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,342/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$6,983
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,171
−HK$190/mo
Today · 4.125%
HK$7,361
baseline
▲ 0.50% · 4.625%
HK$7,749
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,722/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$7,533
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,767
−HK$238/mo
Today · 4.125%
HK$8,005
baseline
▲ 0.50% · 4.625%
HK$8,492
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,010/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$8,380
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,605
−HK$228/mo
Today · 4.125%
HK$8,833
baseline
▲ 0.50% · 4.625%
HK$9,298
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,666/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$8,788
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,062
−HK$277/mo
Today · 4.125%
HK$9,339
baseline
▲ 0.50% · 4.625%
HK$9,908
+HK$569/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$18,678/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,777
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,039
−HK$266/mo
Today · 4.125%
HK$10,305
baseline
▲ 0.50% · 4.625%
HK$10,848
+HK$543/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$20,610/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,299
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,651
−HK$357/mo
Today · 4.125%
HK$12,008
baseline
▲ 0.50% · 4.625%
HK$12,738
+HK$730/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,016/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$12,570
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,907
−HK$342/mo
Today · 4.125%
HK$13,249
baseline
▲ 0.50% · 4.625%
HK$13,948
+HK$699/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,498/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).