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$6,291
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,486
−HK$199/mo
Today · 4.125%
HK$6,685
baseline
▲ 0.50% · 4.625%
HK$7,092
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,370/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$6,998
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,186
−HK$191/mo
Today · 4.125%
HK$7,377
baseline
▲ 0.50% · 4.625%
HK$7,765
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,754/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$7,549
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,784
−HK$238/mo
Today · 4.125%
HK$8,022
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$489/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,044/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$8,398
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,623
−HK$229/mo
Today · 4.125%
HK$8,852
baseline
▲ 0.50% · 4.625%
HK$9,318
+HK$466/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,704/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$8,807
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,081
−HK$278/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,929
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,718/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,798
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,061
−HK$266/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,872
+HK$545/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,654/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,323
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,676
−HK$358/mo
Today · 4.125%
HK$12,034
baseline
▲ 0.50% · 4.625%
HK$12,766
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,068/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$12,597
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,935
−HK$343/mo
Today · 4.125%
HK$13,278
baseline
▲ 0.50% · 4.625%
HK$13,978
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,556/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).