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$6,288
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,483
−HK$199/mo
Today · 4.125%
HK$6,682
baseline
▲ 0.50% · 4.625%
HK$7,088
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,364/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,995
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,182
−HK$191/mo
Today · 4.125%
HK$7,373
baseline
▲ 0.50% · 4.625%
HK$7,761
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,746/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,545
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,780
−HK$238/mo
Today · 4.125%
HK$8,018
baseline
▲ 0.50% · 4.625%
HK$8,506
+HK$488/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,036/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$8,394
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,619
−HK$228/mo
Today · 4.125%
HK$8,847
baseline
▲ 0.50% · 4.625%
HK$9,314
+HK$467/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,694/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$8,803
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,076
−HK$279/mo
Today · 4.125%
HK$9,355
baseline
▲ 0.50% · 4.625%
HK$9,924
+HK$569/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$18,710/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,793
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,055
−HK$267/mo
Today · 4.125%
HK$10,322
baseline
▲ 0.50% · 4.625%
HK$10,866
+HK$544/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$20,644/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,318
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$357/mo
Today · 4.125%
HK$12,027
baseline
▲ 0.50% · 4.625%
HK$12,759
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,054/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,591
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,928
−HK$343/mo
Today · 4.125%
HK$13,271
baseline
▲ 0.50% · 4.625%
HK$13,970
+HK$699/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,542/mo (50% DSR)
Upfront cash ≈ HK$276K (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).