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$391/mo
▼ 0.25% · 3.875%
HK$6,436
−HK$197/mo
Today · 4.125%
HK$6,633
baseline
▲ 0.50% · 4.625%
HK$7,037
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,266/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$375/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$189/mo
Today · 4.125%
HK$7,319
baseline
▲ 0.50% · 4.625%
HK$7,705
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,638/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$7,490
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,723
−HK$237/mo
Today · 4.125%
HK$7,960
baseline
▲ 0.50% · 4.625%
HK$8,444
+HK$484/mo
Deposit HK$1.09M · 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$450/mo
▼ 0.25% · 3.875%
HK$8,556
−HK$227/mo
Today · 4.125%
HK$8,783
baseline
▲ 0.50% · 4.625%
HK$9,246
+HK$463/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,566/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$525/mo
▼ 0.25% · 3.875%
HK$9,982
−HK$265/mo
Today · 4.125%
HK$10,247
baseline
▲ 0.50% · 4.625%
HK$10,787
+HK$540/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$20,494/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$704/mo
▼ 0.25% · 3.875%
HK$11,585
−HK$355/mo
Today · 4.125%
HK$11,940
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$727/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,880/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$12,499
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$340/mo
Today · 4.125%
HK$13,175
baseline
▲ 0.50% · 4.625%
HK$13,869
+HK$694/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).