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$6,269
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,464
−HK$198/mo
Today · 4.125%
HK$6,662
baseline
▲ 0.50% · 4.625%
HK$7,067
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,324/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,974
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,161
−HK$190/mo
Today · 4.125%
HK$7,351
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,702/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,522
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,756
−HK$238/mo
Today · 4.125%
HK$7,994
baseline
▲ 0.50% · 4.625%
HK$8,481
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,988/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$8,369
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$228/mo
Today · 4.125%
HK$8,821
baseline
▲ 0.50% · 4.625%
HK$9,286
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,642/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$8,776
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,049
−HK$278/mo
Today · 4.125%
HK$9,327
baseline
▲ 0.50% · 4.625%
HK$9,894
+HK$567/mo
Deposit HK$825K · loan HK$1.92M · min. income ≈ HK$18,654/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$9,763
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,025
−HK$266/mo
Today · 4.125%
HK$10,291
baseline
▲ 0.50% · 4.625%
HK$10,833
+HK$542/mo
Deposit HK$825K · loan HK$1.92M · min. income ≈ HK$20,582/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$11,284
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$356/mo
Today · 4.125%
HK$11,991
baseline
▲ 0.50% · 4.625%
HK$12,721
+HK$730/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,982/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$12,553
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,890
−HK$341/mo
Today · 4.125%
HK$13,231
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$698/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,462/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).