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$6,275
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,470
−HK$199/mo
Today · 4.125%
HK$6,669
baseline
▲ 0.50% · 4.625%
HK$7,075
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,338/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$6,981
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,168
−HK$190/mo
Today · 4.125%
HK$7,358
baseline
▲ 0.50% · 4.625%
HK$7,746
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,716/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$7,530
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,765
−HK$237/mo
Today · 4.125%
HK$8,002
baseline
▲ 0.50% · 4.625%
HK$8,489
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,004/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$8,377
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,602
−HK$228/mo
Today · 4.125%
HK$8,830
baseline
▲ 0.50% · 4.625%
HK$9,295
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,660/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$8,785
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,059
−HK$277/mo
Today · 4.125%
HK$9,336
baseline
▲ 0.50% · 4.625%
HK$9,904
+HK$568/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$18,672/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,774
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,036
−HK$266/mo
Today · 4.125%
HK$10,302
baseline
▲ 0.50% · 4.625%
HK$10,845
+HK$543/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$20,604/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,295
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,647
−HK$357/mo
Today · 4.125%
HK$12,004
baseline
▲ 0.50% · 4.625%
HK$12,734
+HK$730/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,008/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,566
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,903
−HK$342/mo
Today · 4.125%
HK$13,245
baseline
▲ 0.50% · 4.625%
HK$13,943
+HK$698/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,490/mo (50% DSR)
Upfront cash ≈ HK$275K (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).