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$6,192
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,385
−HK$195/mo
Today · 4.125%
HK$6,580
baseline
▲ 0.50% · 4.625%
HK$6,981
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,160/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$6,889
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,073
−HK$188/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,643
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,522/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$7,430
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,662
−HK$234/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,792/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$8,266
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$225/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,172
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,426/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$8,669
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,938
−HK$274/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,773
+HK$561/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,424/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,644
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,903
−HK$262/mo
Today · 4.125%
HK$10,165
baseline
▲ 0.50% · 4.625%
HK$10,701
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,330/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,146
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,492
−HK$353/mo
Today · 4.125%
HK$11,845
baseline
▲ 0.50% · 4.625%
HK$12,565
+HK$720/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$23,690/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$12,399
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,732
−HK$337/mo
Today · 4.125%
HK$13,069
baseline
▲ 0.50% · 4.625%
HK$13,758
+HK$689/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$26,138/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).