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$6,242
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,436
−HK$198/mo
Today · 4.125%
HK$6,634
baseline
▲ 0.50% · 4.625%
HK$7,037
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,268/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$6,944
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,131
−HK$189/mo
Today · 4.125%
HK$7,320
baseline
▲ 0.50% · 4.625%
HK$7,705
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,640/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$7,491
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,724
−HK$236/mo
Today · 4.125%
HK$7,960
baseline
▲ 0.50% · 4.625%
HK$8,445
+HK$485/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,920/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$8,333
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,557
−HK$227/mo
Today · 4.125%
HK$8,784
baseline
▲ 0.50% · 4.625%
HK$9,247
+HK$463/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,568/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$8,739
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,011
−HK$276/mo
Today · 4.125%
HK$9,287
baseline
▲ 0.50% · 4.625%
HK$9,852
+HK$565/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$18,574/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,722
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,983
−HK$265/mo
Today · 4.125%
HK$10,248
baseline
▲ 0.50% · 4.625%
HK$10,788
+HK$540/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$20,496/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,236
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,586
−HK$355/mo
Today · 4.125%
HK$11,941
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$726/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,882/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,500
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$340/mo
Today · 4.125%
HK$13,175
baseline
▲ 0.50% · 4.625%
HK$13,870
+HK$695/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,350/mo (50% DSR)
Upfront cash ≈ HK$274K (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).