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$6,241
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,435
−HK$198/mo
Today · 4.125%
HK$6,633
baseline
▲ 0.50% · 4.625%
HK$7,036
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,266/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$6,943
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$189/mo
Today · 4.125%
HK$7,319
baseline
▲ 0.50% · 4.625%
HK$7,704
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,638/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$7,490
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,723
−HK$236/mo
Today · 4.125%
HK$7,959
baseline
▲ 0.50% · 4.625%
HK$8,444
+HK$485/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,918/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$8,332
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,556
−HK$226/mo
Today · 4.125%
HK$8,782
baseline
▲ 0.50% · 4.625%
HK$9,245
+HK$463/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,564/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$8,738
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,010
−HK$276/mo
Today · 4.125%
HK$9,286
baseline
▲ 0.50% · 4.625%
HK$9,851
+HK$565/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$18,572/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,721
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,981
−HK$265/mo
Today · 4.125%
HK$10,246
baseline
▲ 0.50% · 4.625%
HK$10,786
+HK$540/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$20,492/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,234
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,584
−HK$355/mo
Today · 4.125%
HK$11,939
baseline
▲ 0.50% · 4.625%
HK$12,665
+HK$726/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,878/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$12,498
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,833
−HK$340/mo
Today · 4.125%
HK$13,173
baseline
▲ 0.50% · 4.625%
HK$13,868
+HK$695/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,346/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).