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$6,186
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,379
−HK$195/mo
Today · 4.125%
HK$6,574
baseline
▲ 0.50% · 4.625%
HK$6,974
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,148/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$6,882
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$187/mo
Today · 4.125%
HK$7,254
baseline
▲ 0.50% · 4.625%
HK$7,636
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,508/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$7,423
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,654
−HK$235/mo
Today · 4.125%
HK$7,889
baseline
▲ 0.50% · 4.625%
HK$8,369
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,778/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$8,258
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,480
−HK$225/mo
Today · 4.125%
HK$8,705
baseline
▲ 0.50% · 4.625%
HK$9,163
+HK$458/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,410/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$8,661
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,930
−HK$274/mo
Today · 4.125%
HK$9,204
baseline
▲ 0.50% · 4.625%
HK$9,764
+HK$560/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,408/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,635
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,893
−HK$262/mo
Today · 4.125%
HK$10,155
baseline
▲ 0.50% · 4.625%
HK$10,691
+HK$536/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,310/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,135
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,481
−HK$352/mo
Today · 4.125%
HK$11,833
baseline
▲ 0.50% · 4.625%
HK$12,553
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,666/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,388
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,720
−HK$337/mo
Today · 4.125%
HK$13,057
baseline
▲ 0.50% · 4.625%
HK$13,745
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,114/mo (50% DSR)
Upfront cash ≈ HK$271K (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).