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$6,196
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$196/mo
Today · 4.125%
HK$6,585
baseline
▲ 0.50% · 4.625%
HK$6,986
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,170/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$6,893
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,078
−HK$188/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,649
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,532/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$7,436
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,667
−HK$235/mo
Today · 4.125%
HK$7,902
baseline
▲ 0.50% · 4.625%
HK$8,383
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,804/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$8,272
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,494
−HK$225/mo
Today · 4.125%
HK$8,719
baseline
▲ 0.50% · 4.625%
HK$9,179
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,438/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$8,675
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,945
−HK$274/mo
Today · 4.125%
HK$9,219
baseline
▲ 0.50% · 4.625%
HK$9,780
+HK$561/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,438/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$9,651
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,910
−HK$262/mo
Today · 4.125%
HK$10,172
baseline
▲ 0.50% · 4.625%
HK$10,708
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,344/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$11,154
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$352/mo
Today · 4.125%
HK$11,853
baseline
▲ 0.50% · 4.625%
HK$12,574
+HK$721/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,706/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$12,408
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$338/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,768
+HK$689/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,158/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).