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$6,249
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,443
−HK$197/mo
Today · 4.125%
HK$6,640
baseline
▲ 0.50% · 4.625%
HK$7,044
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,280/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$6,951
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,138
−HK$189/mo
Today · 4.125%
HK$7,327
baseline
▲ 0.50% · 4.625%
HK$7,713
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,654/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$7,498
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,731
−HK$237/mo
Today · 4.125%
HK$7,968
baseline
▲ 0.50% · 4.625%
HK$8,453
+HK$485/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,936/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$8,342
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,565
−HK$227/mo
Today · 4.125%
HK$8,792
baseline
▲ 0.50% · 4.625%
HK$9,256
+HK$464/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,584/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$8,748
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,020
−HK$276/mo
Today · 4.125%
HK$9,296
baseline
▲ 0.50% · 4.625%
HK$9,862
+HK$566/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$18,592/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,732
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,993
−HK$265/mo
Today · 4.125%
HK$10,258
baseline
▲ 0.50% · 4.625%
HK$10,798
+HK$540/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$20,516/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,247
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,597
−HK$356/mo
Today · 4.125%
HK$11,953
baseline
▲ 0.50% · 4.625%
HK$12,680
+HK$727/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,906/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,513
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,848
−HK$341/mo
Today · 4.125%
HK$13,189
baseline
▲ 0.50% · 4.625%
HK$13,884
+HK$695/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,378/mo (50% DSR)
Upfront cash ≈ HK$274K (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).