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$6,196
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$195/mo
Today · 4.125%
HK$6,584
baseline
▲ 0.50% · 4.625%
HK$6,985
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,168/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$6,893
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,078
−HK$187/mo
Today · 4.125%
HK$7,265
baseline
▲ 0.50% · 4.625%
HK$7,648
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,530/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$7,435
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,666
−HK$235/mo
Today · 4.125%
HK$7,901
baseline
▲ 0.50% · 4.625%
HK$8,382
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,802/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$8,271
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$225/mo
Today · 4.125%
HK$8,718
baseline
▲ 0.50% · 4.625%
HK$9,178
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,436/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$8,674
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,944
−HK$274/mo
Today · 4.125%
HK$9,218
baseline
▲ 0.50% · 4.625%
HK$9,779
+HK$561/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,436/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,650
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,909
−HK$262/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,707
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,342/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,153
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$353/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,573
+HK$721/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,704/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,407
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$337/mo
Today · 4.125%
HK$13,077
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,154/mo (50% DSR)
Upfront cash ≈ HK$272K (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).