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$6,187
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,379
−HK$196/mo
Today · 4.125%
HK$6,575
baseline
▲ 0.50% · 4.625%
HK$6,975
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,150/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,883
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$188/mo
Today · 4.125%
HK$7,255
baseline
▲ 0.50% · 4.625%
HK$7,637
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,510/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,424
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,655
−HK$235/mo
Today · 4.125%
HK$7,890
baseline
▲ 0.50% · 4.625%
HK$8,370
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,780/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$8,259
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,481
−HK$225/mo
Today · 4.125%
HK$8,706
baseline
▲ 0.50% · 4.625%
HK$9,164
+HK$458/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,412/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$8,662
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,931
−HK$274/mo
Today · 4.125%
HK$9,205
baseline
▲ 0.50% · 4.625%
HK$9,765
+HK$560/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,410/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,636
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,894
−HK$262/mo
Today · 4.125%
HK$10,156
baseline
▲ 0.50% · 4.625%
HK$10,692
+HK$536/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,312/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,136
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,483
−HK$352/mo
Today · 4.125%
HK$11,835
baseline
▲ 0.50% · 4.625%
HK$12,555
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,670/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,389
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,721
−HK$337/mo
Today · 4.125%
HK$13,058
baseline
▲ 0.50% · 4.625%
HK$13,747
+HK$689/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,116/mo (50% DSR)
Upfront cash ≈ HK$271K (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).