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$6,189
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,381
−HK$196/mo
Today · 4.125%
HK$6,577
baseline
▲ 0.50% · 4.625%
HK$6,977
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,154/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$6,885
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,069
−HK$188/mo
Today · 4.125%
HK$7,257
baseline
▲ 0.50% · 4.625%
HK$7,639
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,514/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$7,426
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$235/mo
Today · 4.125%
HK$7,892
baseline
▲ 0.50% · 4.625%
HK$8,372
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,784/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$8,262
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,483
−HK$225/mo
Today · 4.125%
HK$8,708
baseline
▲ 0.50% · 4.625%
HK$9,167
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,416/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$8,664
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,933
−HK$274/mo
Today · 4.125%
HK$9,207
baseline
▲ 0.50% · 4.625%
HK$9,767
+HK$560/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$18,414/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,639
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,897
−HK$262/mo
Today · 4.125%
HK$10,159
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$536/mo
Deposit HK$814K · loan HK$1.90M · min. income ≈ HK$20,318/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,139
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,486
−HK$352/mo
Today · 4.125%
HK$11,838
baseline
▲ 0.50% · 4.625%
HK$12,558
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,676/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,392
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,725
−HK$337/mo
Today · 4.125%
HK$13,062
baseline
▲ 0.50% · 4.625%
HK$13,750
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,124/mo (50% DSR)
Upfront cash ≈ HK$271K (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).