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$6,204
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,397
−HK$196/mo
Today · 4.125%
HK$6,593
baseline
▲ 0.50% · 4.625%
HK$6,994
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,186/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$6,901
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,087
−HK$187/mo
Today · 4.125%
HK$7,274
baseline
▲ 0.50% · 4.625%
HK$7,658
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,548/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$7,444
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,676
−HK$235/mo
Today · 4.125%
HK$7,911
baseline
▲ 0.50% · 4.625%
HK$8,393
+HK$482/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,822/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$8,282
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,504
−HK$225/mo
Today · 4.125%
HK$8,729
baseline
▲ 0.50% · 4.625%
HK$9,189
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,458/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$8,685
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$275/mo
Today · 4.125%
HK$9,230
baseline
▲ 0.50% · 4.625%
HK$9,791
+HK$561/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$18,460/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,662
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,921
−HK$263/mo
Today · 4.125%
HK$10,184
baseline
▲ 0.50% · 4.625%
HK$10,721
+HK$537/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$20,368/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,167
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,514
−HK$353/mo
Today · 4.125%
HK$11,867
baseline
▲ 0.50% · 4.625%
HK$12,589
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,734/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$12,423
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,756
−HK$338/mo
Today · 4.125%
HK$13,094
baseline
▲ 0.50% · 4.625%
HK$13,784
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,188/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).