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$6,277
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,472
−HK$198/mo
Today · 4.125%
HK$6,670
baseline
▲ 0.50% · 4.625%
HK$7,076
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,340/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$6,983
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,170
−HK$190/mo
Today · 4.125%
HK$7,360
baseline
▲ 0.50% · 4.625%
HK$7,748
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,720/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$7,532
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,767
−HK$238/mo
Today · 4.125%
HK$8,005
baseline
▲ 0.50% · 4.625%
HK$8,492
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,010/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$8,380
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,604
−HK$228/mo
Today · 4.125%
HK$8,832
baseline
▲ 0.50% · 4.625%
HK$9,298
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,664/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$8,788
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,061
−HK$278/mo
Today · 4.125%
HK$9,339
baseline
▲ 0.50% · 4.625%
HK$9,907
+HK$568/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$18,678/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,776
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,038
−HK$266/mo
Today · 4.125%
HK$10,304
baseline
▲ 0.50% · 4.625%
HK$10,847
+HK$543/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$20,608/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,298
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$357/mo
Today · 4.125%
HK$12,007
baseline
▲ 0.50% · 4.625%
HK$12,737
+HK$730/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,014/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$12,569
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,906
−HK$342/mo
Today · 4.125%
HK$13,248
baseline
▲ 0.50% · 4.625%
HK$13,947
+HK$699/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,496/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).