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$6,232
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,426
−HK$197/mo
Today · 4.125%
HK$6,623
baseline
▲ 0.50% · 4.625%
HK$7,026
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,246/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$6,933
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,119
−HK$189/mo
Today · 4.125%
HK$7,308
baseline
▲ 0.50% · 4.625%
HK$7,693
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,616/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$7,479
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,712
−HK$236/mo
Today · 4.125%
HK$7,948
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,896/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$8,320
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,543
−HK$227/mo
Today · 4.125%
HK$8,770
baseline
▲ 0.50% · 4.625%
HK$9,232
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,540/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$8,725
−HK$548/mo
▼ 0.25% · 3.875%
HK$8,997
−HK$276/mo
Today · 4.125%
HK$9,273
baseline
▲ 0.50% · 4.625%
HK$9,837
+HK$564/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$18,546/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$9,707
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,967
−HK$264/mo
Today · 4.125%
HK$10,231
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$540/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$20,462/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$11,218
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,567
−HK$355/mo
Today · 4.125%
HK$11,922
baseline
▲ 0.50% · 4.625%
HK$12,647
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,844/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,480
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,815
−HK$340/mo
Today · 4.125%
HK$13,155
baseline
▲ 0.50% · 4.625%
HK$13,848
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,310/mo (50% DSR)
Upfront cash ≈ HK$273K (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).