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$6,184
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,377
−HK$195/mo
Today · 4.125%
HK$6,572
baseline
▲ 0.50% · 4.625%
HK$6,972
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,144/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$6,880
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,065
−HK$187/mo
Today · 4.125%
HK$7,252
baseline
▲ 0.50% · 4.625%
HK$7,634
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,504/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$7,421
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,652
−HK$235/mo
Today · 4.125%
HK$7,887
baseline
▲ 0.50% · 4.625%
HK$8,367
+HK$480/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,774/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,256
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,478
−HK$224/mo
Today · 4.125%
HK$8,702
baseline
▲ 0.50% · 4.625%
HK$9,161
+HK$459/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,404/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,658
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,928
−HK$273/mo
Today · 4.125%
HK$9,201
baseline
▲ 0.50% · 4.625%
HK$9,761
+HK$560/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,402/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,632
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,891
−HK$262/mo
Today · 4.125%
HK$10,153
baseline
▲ 0.50% · 4.625%
HK$10,688
+HK$535/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,306/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,132
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,478
−HK$352/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,550
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,660/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,384
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,716
−HK$337/mo
Today · 4.125%
HK$13,053
baseline
▲ 0.50% · 4.625%
HK$13,741
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,106/mo (50% DSR)
Upfront cash ≈ HK$271K (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).