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$6,225
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,418
−HK$197/mo
Today · 4.125%
HK$6,615
baseline
▲ 0.50% · 4.625%
HK$7,018
+HK$403/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,230/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,925
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,111
−HK$188/mo
Today · 4.125%
HK$7,299
baseline
▲ 0.50% · 4.625%
HK$7,684
+HK$385/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,598/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,470
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,702
−HK$236/mo
Today · 4.125%
HK$7,938
baseline
▲ 0.50% · 4.625%
HK$8,421
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,876/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$8,310
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$226/mo
Today · 4.125%
HK$8,759
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,518/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$8,715
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,986
−HK$275/mo
Today · 4.125%
HK$9,261
baseline
▲ 0.50% · 4.625%
HK$9,825
+HK$564/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,522/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,695
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$264/mo
Today · 4.125%
HK$10,219
baseline
▲ 0.50% · 4.625%
HK$10,757
+HK$538/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,438/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,205
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,553
−HK$354/mo
Today · 4.125%
HK$11,907
baseline
▲ 0.50% · 4.625%
HK$12,632
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,814/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,465
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,799
−HK$339/mo
Today · 4.125%
HK$13,138
baseline
▲ 0.50% · 4.625%
HK$13,831
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,276/mo (50% DSR)
Upfront cash ≈ HK$273K (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).