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$6,305
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,501
−HK$199/mo
Today · 4.125%
HK$6,700
baseline
▲ 0.50% · 4.625%
HK$7,108
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,400/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$7,014
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,202
−HK$191/mo
Today · 4.125%
HK$7,393
baseline
▲ 0.50% · 4.625%
HK$7,783
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,786/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$7,566
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,801
−HK$239/mo
Today · 4.125%
HK$8,040
baseline
▲ 0.50% · 4.625%
HK$8,530
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,080/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$8,417
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,643
−HK$229/mo
Today · 4.125%
HK$8,872
baseline
▲ 0.50% · 4.625%
HK$9,339
+HK$467/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,744/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$8,827
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,101
−HK$279/mo
Today · 4.125%
HK$9,380
baseline
▲ 0.50% · 4.625%
HK$9,951
+HK$571/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$18,760/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$9,820
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,083
−HK$267/mo
Today · 4.125%
HK$10,350
baseline
▲ 0.50% · 4.625%
HK$10,896
+HK$546/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$20,700/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$11,349
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,702
−HK$359/mo
Today · 4.125%
HK$12,061
baseline
▲ 0.50% · 4.625%
HK$12,794
+HK$733/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,122/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$12,625
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$344/mo
Today · 4.125%
HK$13,308
baseline
▲ 0.50% · 4.625%
HK$14,009
+HK$701/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,616/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).