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$6,285
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,481
−HK$198/mo
Today · 4.125%
HK$6,679
baseline
▲ 0.50% · 4.625%
HK$7,086
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,358/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$6,992
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,180
−HK$190/mo
Today · 4.125%
HK$7,370
baseline
▲ 0.50% · 4.625%
HK$7,758
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,740/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$7,542
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,777
−HK$238/mo
Today · 4.125%
HK$8,015
baseline
▲ 0.50% · 4.625%
HK$8,503
+HK$488/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,030/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$8,391
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,616
−HK$228/mo
Today · 4.125%
HK$8,844
baseline
▲ 0.50% · 4.625%
HK$9,310
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,688/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$8,799
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$278/mo
Today · 4.125%
HK$9,351
baseline
▲ 0.50% · 4.625%
HK$9,920
+HK$569/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$18,702/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,789
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,052
−HK$266/mo
Today · 4.125%
HK$10,318
baseline
▲ 0.50% · 4.625%
HK$10,862
+HK$544/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$20,636/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,313
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$358/mo
Today · 4.125%
HK$12,023
baseline
▲ 0.50% · 4.625%
HK$12,754
+HK$731/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,046/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,586
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,923
−HK$343/mo
Today · 4.125%
HK$13,266
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$699/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,532/mo (50% DSR)
Upfront cash ≈ HK$276K (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).