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$6,206
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,399
−HK$197/mo
Today · 4.125%
HK$6,596
baseline
▲ 0.50% · 4.625%
HK$6,997
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,192/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$6,905
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,090
−HK$188/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,661
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,556/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$7,448
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,679
−HK$236/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,396
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,830/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$8,285
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$225/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,193
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,466/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$8,689
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,959
−HK$275/mo
Today · 4.125%
HK$9,234
baseline
▲ 0.50% · 4.625%
HK$9,796
+HK$562/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$18,468/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,666
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,926
−HK$263/mo
Today · 4.125%
HK$10,189
baseline
▲ 0.50% · 4.625%
HK$10,726
+HK$537/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$20,378/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,172
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,519
−HK$353/mo
Today · 4.125%
HK$11,872
baseline
▲ 0.50% · 4.625%
HK$12,594
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,744/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,428
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$338/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,790
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,200/mo (50% DSR)
Upfront cash ≈ HK$272K (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).