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$6,197
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,390
−HK$196/mo
Today · 4.125%
HK$6,586
baseline
▲ 0.50% · 4.625%
HK$6,987
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,172/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$6,894
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,079
−HK$188/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,650
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,534/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$7,437
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,668
−HK$235/mo
Today · 4.125%
HK$7,903
baseline
▲ 0.50% · 4.625%
HK$8,384
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,806/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$8,273
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,495
−HK$225/mo
Today · 4.125%
HK$8,720
baseline
▲ 0.50% · 4.625%
HK$9,180
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,440/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$8,676
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,946
−HK$274/mo
Today · 4.125%
HK$9,220
baseline
▲ 0.50% · 4.625%
HK$9,781
+HK$561/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,440/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$9,652
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,911
−HK$263/mo
Today · 4.125%
HK$10,174
baseline
▲ 0.50% · 4.625%
HK$10,710
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,348/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$11,155
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,502
−HK$353/mo
Today · 4.125%
HK$11,855
baseline
▲ 0.50% · 4.625%
HK$12,576
+HK$721/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,710/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$12,410
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,743
−HK$337/mo
Today · 4.125%
HK$13,080
baseline
▲ 0.50% · 4.625%
HK$13,770
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,160/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).