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$6,181
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,374
−HK$195/mo
Today · 4.125%
HK$6,569
baseline
▲ 0.50% · 4.625%
HK$6,969
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,138/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$6,877
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$187/mo
Today · 4.125%
HK$7,248
baseline
▲ 0.50% · 4.625%
HK$7,630
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,496/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$7,418
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,648
−HK$235/mo
Today · 4.125%
HK$7,883
baseline
▲ 0.50% · 4.625%
HK$8,362
+HK$479/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,766/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,252
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$225/mo
Today · 4.125%
HK$8,698
baseline
▲ 0.50% · 4.625%
HK$9,156
+HK$458/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,396/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,654
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,923
−HK$274/mo
Today · 4.125%
HK$9,197
baseline
▲ 0.50% · 4.625%
HK$9,756
+HK$559/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$18,394/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,627
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,886
−HK$262/mo
Today · 4.125%
HK$10,148
baseline
▲ 0.50% · 4.625%
HK$10,682
+HK$534/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$20,296/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,127
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,473
−HK$351/mo
Today · 4.125%
HK$11,824
baseline
▲ 0.50% · 4.625%
HK$12,544
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,648/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$12,378
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,710
−HK$337/mo
Today · 4.125%
HK$13,047
baseline
▲ 0.50% · 4.625%
HK$13,735
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,094/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).