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$6,289
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,485
−HK$199/mo
Today · 4.125%
HK$6,684
baseline
▲ 0.50% · 4.625%
HK$7,090
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,368/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$6,997
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,185
−HK$190/mo
Today · 4.125%
HK$7,375
baseline
▲ 0.50% · 4.625%
HK$7,764
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,750/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$7,547
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,782
−HK$239/mo
Today · 4.125%
HK$8,021
baseline
▲ 0.50% · 4.625%
HK$8,509
+HK$488/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,042/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$8,396
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,621
−HK$229/mo
Today · 4.125%
HK$8,850
baseline
▲ 0.50% · 4.625%
HK$9,316
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,700/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$8,805
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,079
−HK$278/mo
Today · 4.125%
HK$9,357
baseline
▲ 0.50% · 4.625%
HK$9,927
+HK$570/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$18,714/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,796
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$267/mo
Today · 4.125%
HK$10,325
baseline
▲ 0.50% · 4.625%
HK$10,869
+HK$544/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$20,650/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,321
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,673
−HK$358/mo
Today · 4.125%
HK$12,031
baseline
▲ 0.50% · 4.625%
HK$12,763
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,062/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$12,594
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,932
−HK$343/mo
Today · 4.125%
HK$13,275
baseline
▲ 0.50% · 4.625%
HK$13,975
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,550/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).