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$6,257
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,451
−HK$198/mo
Today · 4.125%
HK$6,649
baseline
▲ 0.50% · 4.625%
HK$7,054
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,298/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$6,961
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,147
−HK$190/mo
Today · 4.125%
HK$7,337
baseline
▲ 0.50% · 4.625%
HK$7,723
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,674/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$7,508
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,742
−HK$237/mo
Today · 4.125%
HK$7,979
baseline
▲ 0.50% · 4.625%
HK$8,465
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,958/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$8,353
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,577
−HK$227/mo
Today · 4.125%
HK$8,804
baseline
▲ 0.50% · 4.625%
HK$9,268
+HK$464/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,608/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$8,760
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,032
−HK$277/mo
Today · 4.125%
HK$9,309
baseline
▲ 0.50% · 4.625%
HK$9,875
+HK$566/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$18,618/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,745
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,006
−HK$265/mo
Today · 4.125%
HK$10,271
baseline
▲ 0.50% · 4.625%
HK$10,813
+HK$542/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$20,542/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,262
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,613
−HK$356/mo
Today · 4.125%
HK$11,969
baseline
▲ 0.50% · 4.625%
HK$12,697
+HK$728/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,938/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$12,529
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,865
−HK$341/mo
Today · 4.125%
HK$13,206
baseline
▲ 0.50% · 4.625%
HK$13,902
+HK$696/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,412/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).