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$6,191
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,384
−HK$196/mo
Today · 4.125%
HK$6,580
baseline
▲ 0.50% · 4.625%
HK$6,980
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,160/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$6,888
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,073
−HK$187/mo
Today · 4.125%
HK$7,260
baseline
▲ 0.50% · 4.625%
HK$7,643
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,520/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$7,430
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,661
−HK$235/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,376
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,792/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$8,266
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,487
−HK$225/mo
Today · 4.125%
HK$8,712
baseline
▲ 0.50% · 4.625%
HK$9,171
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,424/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$8,668
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,938
−HK$274/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,772
+HK$560/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,424/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$9,643
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,902
−HK$262/mo
Today · 4.125%
HK$10,164
baseline
▲ 0.50% · 4.625%
HK$10,700
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,328/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$11,145
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,491
−HK$352/mo
Today · 4.125%
HK$11,843
baseline
▲ 0.50% · 4.625%
HK$12,564
+HK$721/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$23,686/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$12,398
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,731
−HK$337/mo
Today · 4.125%
HK$13,068
baseline
▲ 0.50% · 4.625%
HK$13,757
+HK$689/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$26,136/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).