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$6,297
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$199/mo
Today · 4.125%
HK$6,692
baseline
▲ 0.50% · 4.625%
HK$7,099
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,384/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$7,005
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,193
−HK$191/mo
Today · 4.125%
HK$7,384
baseline
▲ 0.50% · 4.625%
HK$7,773
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,768/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$7,556
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,791
−HK$239/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,519
+HK$489/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,060/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$8,406
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,632
−HK$228/mo
Today · 4.125%
HK$8,860
baseline
▲ 0.50% · 4.625%
HK$9,327
+HK$467/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,720/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$8,816
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$278/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,736/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,807
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,070
−HK$267/mo
Today · 4.125%
HK$10,337
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$545/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,674/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,334
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,687
−HK$358/mo
Today · 4.125%
HK$12,045
baseline
▲ 0.50% · 4.625%
HK$12,778
+HK$733/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,090/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,609
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,947
−HK$344/mo
Today · 4.125%
HK$13,291
baseline
▲ 0.50% · 4.625%
HK$13,991
+HK$700/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,582/mo (50% DSR)
Upfront cash ≈ HK$276K (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).