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$6,259
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,454
−HK$198/mo
Today · 4.125%
HK$6,652
baseline
▲ 0.50% · 4.625%
HK$7,056
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,304/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$6,963
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,150
−HK$189/mo
Today · 4.125%
HK$7,339
baseline
▲ 0.50% · 4.625%
HK$7,726
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,678/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$7,511
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,745
−HK$237/mo
Today · 4.125%
HK$7,982
baseline
▲ 0.50% · 4.625%
HK$8,468
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,964/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$8,356
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,580
−HK$227/mo
Today · 4.125%
HK$8,807
baseline
▲ 0.50% · 4.625%
HK$9,271
+HK$464/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,614/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$8,763
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,035
−HK$277/mo
Today · 4.125%
HK$9,312
baseline
▲ 0.50% · 4.625%
HK$9,879
+HK$567/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$18,624/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,748
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,010
−HK$265/mo
Today · 4.125%
HK$10,275
baseline
▲ 0.50% · 4.625%
HK$10,817
+HK$542/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$20,550/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,266
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,617
−HK$356/mo
Today · 4.125%
HK$11,973
baseline
▲ 0.50% · 4.625%
HK$12,701
+HK$728/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,946/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,534
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,870
−HK$341/mo
Today · 4.125%
HK$13,211
baseline
▲ 0.50% · 4.625%
HK$13,907
+HK$696/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,422/mo (50% DSR)
Upfront cash ≈ HK$275K (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).