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$6,273
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,468
−HK$199/mo
Today · 4.125%
HK$6,667
baseline
▲ 0.50% · 4.625%
HK$7,072
+HK$405/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,334/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$6,979
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,166
−HK$190/mo
Today · 4.125%
HK$7,356
baseline
▲ 0.50% · 4.625%
HK$7,744
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,712/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$7,528
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,762
−HK$238/mo
Today · 4.125%
HK$8,000
baseline
▲ 0.50% · 4.625%
HK$8,487
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,000/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$8,375
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,599
−HK$228/mo
Today · 4.125%
HK$8,827
baseline
▲ 0.50% · 4.625%
HK$9,292
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,654/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$8,782
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,056
−HK$277/mo
Today · 4.125%
HK$9,333
baseline
▲ 0.50% · 4.625%
HK$9,901
+HK$568/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$18,666/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,770
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,032
−HK$266/mo
Today · 4.125%
HK$10,298
baseline
▲ 0.50% · 4.625%
HK$10,841
+HK$543/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$20,596/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,292
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,643
−HK$357/mo
Today · 4.125%
HK$12,000
baseline
▲ 0.50% · 4.625%
HK$12,730
+HK$730/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,000/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$12,562
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,899
−HK$342/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$13,939
+HK$698/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,482/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).