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$6,312
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,508
−HK$199/mo
Today · 4.125%
HK$6,707
baseline
▲ 0.50% · 4.625%
HK$7,116
+HK$409/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,414/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$7,022
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,210
−HK$191/mo
Today · 4.125%
HK$7,401
baseline
▲ 0.50% · 4.625%
HK$7,791
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,802/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$7,574
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,810
−HK$239/mo
Today · 4.125%
HK$8,049
baseline
▲ 0.50% · 4.625%
HK$8,539
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,098/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,426
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,652
−HK$229/mo
Today · 4.125%
HK$8,881
baseline
▲ 0.50% · 4.625%
HK$9,349
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,762/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,836
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$279/mo
Today · 4.125%
HK$9,390
baseline
▲ 0.50% · 4.625%
HK$9,962
+HK$572/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$18,780/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,830
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,094
−HK$267/mo
Today · 4.125%
HK$10,361
baseline
▲ 0.50% · 4.625%
HK$10,908
+HK$547/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$20,722/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,361
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,714
−HK$359/mo
Today · 4.125%
HK$12,073
baseline
▲ 0.50% · 4.625%
HK$12,808
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,146/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,639
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,978
−HK$344/mo
Today · 4.125%
HK$13,322
baseline
▲ 0.50% · 4.625%
HK$14,024
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,644/mo (50% DSR)
Upfront cash ≈ HK$277K (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).