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$6,193
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,386
−HK$195/mo
Today · 4.125%
HK$6,581
baseline
▲ 0.50% · 4.625%
HK$6,982
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,162/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$6,890
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,075
−HK$187/mo
Today · 4.125%
HK$7,262
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,524/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$7,432
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$235/mo
Today · 4.125%
HK$7,898
baseline
▲ 0.50% · 4.625%
HK$8,378
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,796/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$8,268
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,489
−HK$225/mo
Today · 4.125%
HK$8,714
baseline
▲ 0.50% · 4.625%
HK$9,174
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,428/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$8,670
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,940
−HK$274/mo
Today · 4.125%
HK$9,214
baseline
▲ 0.50% · 4.625%
HK$9,775
+HK$561/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,428/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,646
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,904
−HK$263/mo
Today · 4.125%
HK$10,167
baseline
▲ 0.50% · 4.625%
HK$10,703
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,334/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,148
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,494
−HK$353/mo
Today · 4.125%
HK$11,847
baseline
▲ 0.50% · 4.625%
HK$12,567
+HK$720/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$23,694/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,402
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,734
−HK$338/mo
Today · 4.125%
HK$13,072
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$689/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$26,144/mo (50% DSR)
Upfront cash ≈ HK$272K (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).