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$6,270
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,465
−HK$198/mo
Today · 4.125%
HK$6,663
baseline
▲ 0.50% · 4.625%
HK$7,069
+HK$406/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,326/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$6,975
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,162
−HK$190/mo
Today · 4.125%
HK$7,352
baseline
▲ 0.50% · 4.625%
HK$7,740
+HK$388/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,704/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$7,524
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,758
−HK$238/mo
Today · 4.125%
HK$7,996
baseline
▲ 0.50% · 4.625%
HK$8,482
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,992/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$8,370
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,595
−HK$228/mo
Today · 4.125%
HK$8,823
baseline
▲ 0.50% · 4.625%
HK$9,288
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,646/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$8,778
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,051
−HK$278/mo
Today · 4.125%
HK$9,329
baseline
▲ 0.50% · 4.625%
HK$9,896
+HK$567/mo
Deposit HK$825K · loan HK$1.92M · min. income ≈ HK$18,658/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$9,766
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,027
−HK$266/mo
Today · 4.125%
HK$10,293
baseline
▲ 0.50% · 4.625%
HK$10,836
+HK$543/mo
Deposit HK$825K · loan HK$1.92M · min. income ≈ HK$20,586/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$11,286
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,637
−HK$357/mo
Today · 4.125%
HK$11,994
baseline
▲ 0.50% · 4.625%
HK$12,724
+HK$730/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,988/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$12,556
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,892
−HK$342/mo
Today · 4.125%
HK$13,234
baseline
▲ 0.50% · 4.625%
HK$13,932
+HK$698/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,468/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).