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$6,234
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,428
−HK$197/mo
Today · 4.125%
HK$6,625
baseline
▲ 0.50% · 4.625%
HK$7,028
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,250/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$6,936
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,122
−HK$188/mo
Today · 4.125%
HK$7,310
baseline
▲ 0.50% · 4.625%
HK$7,696
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,620/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$7,481
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,714
−HK$236/mo
Today · 4.125%
HK$7,950
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,900/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$8,323
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,546
−HK$226/mo
Today · 4.125%
HK$8,772
baseline
▲ 0.50% · 4.625%
HK$9,235
+HK$463/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,544/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$8,728
−HK$547/mo
▼ 0.25% · 3.875%
HK$9,000
−HK$275/mo
Today · 4.125%
HK$9,275
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$565/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$18,550/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,710
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,970
−HK$264/mo
Today · 4.125%
HK$10,234
baseline
▲ 0.50% · 4.625%
HK$10,774
+HK$540/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$20,468/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,222
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,571
−HK$354/mo
Today · 4.125%
HK$11,925
baseline
▲ 0.50% · 4.625%
HK$12,651
+HK$726/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,850/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,484
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,819
−HK$340/mo
Today · 4.125%
HK$13,159
baseline
▲ 0.50% · 4.625%
HK$13,852
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,318/mo (50% DSR)
Upfront cash ≈ HK$274K (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).