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$6,241
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,435
−HK$197/mo
Today · 4.125%
HK$6,632
baseline
▲ 0.50% · 4.625%
HK$7,035
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,264/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$6,942
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,129
−HK$189/mo
Today · 4.125%
HK$7,318
baseline
▲ 0.50% · 4.625%
HK$7,703
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,636/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$7,489
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$236/mo
Today · 4.125%
HK$7,958
baseline
▲ 0.50% · 4.625%
HK$8,442
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,916/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$8,331
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,554
−HK$227/mo
Today · 4.125%
HK$8,781
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$463/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,562/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$8,737
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,008
−HK$277/mo
Today · 4.125%
HK$9,285
baseline
▲ 0.50% · 4.625%
HK$9,850
+HK$565/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$18,570/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$9,719
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,980
−HK$265/mo
Today · 4.125%
HK$10,245
baseline
▲ 0.50% · 4.625%
HK$10,785
+HK$540/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$20,490/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$11,233
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,582
−HK$355/mo
Today · 4.125%
HK$11,937
baseline
▲ 0.50% · 4.625%
HK$12,664
+HK$727/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,874/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$12,496
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,832
−HK$340/mo
Today · 4.125%
HK$13,172
baseline
▲ 0.50% · 4.625%
HK$13,866
+HK$694/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,344/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).