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$6,295
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,490
−HK$199/mo
Today · 4.125%
HK$6,689
baseline
▲ 0.50% · 4.625%
HK$7,096
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,378/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$7,003
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,191
−HK$190/mo
Today · 4.125%
HK$7,381
baseline
▲ 0.50% · 4.625%
HK$7,770
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,762/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$7,554
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$238/mo
Today · 4.125%
HK$8,027
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$489/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,054/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$8,403
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,629
−HK$228/mo
Today · 4.125%
HK$8,857
baseline
▲ 0.50% · 4.625%
HK$9,324
+HK$467/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,714/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$8,813
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,087
−HK$278/mo
Today · 4.125%
HK$9,365
baseline
▲ 0.50% · 4.625%
HK$9,935
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,730/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,804
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,067
−HK$267/mo
Today · 4.125%
HK$10,334
baseline
▲ 0.50% · 4.625%
HK$10,878
+HK$544/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,668/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,330
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,683
−HK$358/mo
Today · 4.125%
HK$12,041
baseline
▲ 0.50% · 4.625%
HK$12,774
+HK$733/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,082/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$12,605
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$343/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$13,986
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,572/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).