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$6,216
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,409
−HK$197/mo
Today · 4.125%
HK$6,606
baseline
▲ 0.50% · 4.625%
HK$7,007
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,212/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$6,915
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,100
−HK$189/mo
Today · 4.125%
HK$7,289
baseline
▲ 0.50% · 4.625%
HK$7,673
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,578/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$7,459
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,691
−HK$236/mo
Today · 4.125%
HK$7,927
baseline
▲ 0.50% · 4.625%
HK$8,409
+HK$482/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,854/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,298
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,521
−HK$225/mo
Today · 4.125%
HK$8,746
baseline
▲ 0.50% · 4.625%
HK$9,207
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,492/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,702
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,973
−HK$275/mo
Today · 4.125%
HK$9,248
baseline
▲ 0.50% · 4.625%
HK$9,810
+HK$562/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$18,496/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,681
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,941
−HK$263/mo
Today · 4.125%
HK$10,204
baseline
▲ 0.50% · 4.625%
HK$10,742
+HK$538/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$20,408/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,188
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,536
−HK$354/mo
Today · 4.125%
HK$11,890
baseline
▲ 0.50% · 4.625%
HK$12,613
+HK$723/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$23,780/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,447
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,781
−HK$338/mo
Today · 4.125%
HK$13,119
baseline
▲ 0.50% · 4.625%
HK$13,811
+HK$692/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$26,238/mo (50% DSR)
Upfront cash ≈ HK$273K (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).