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$6,210
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,404
−HK$196/mo
Today · 4.125%
HK$6,600
baseline
▲ 0.50% · 4.625%
HK$7,002
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,200/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$6,909
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,094
−HK$188/mo
Today · 4.125%
HK$7,282
baseline
▲ 0.50% · 4.625%
HK$7,666
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,564/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$7,453
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,684
−HK$236/mo
Today · 4.125%
HK$7,920
baseline
▲ 0.50% · 4.625%
HK$8,402
+HK$482/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,840/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$8,291
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$226/mo
Today · 4.125%
HK$8,739
baseline
▲ 0.50% · 4.625%
HK$9,200
+HK$461/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,478/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$8,695
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$275/mo
Today · 4.125%
HK$9,240
baseline
▲ 0.50% · 4.625%
HK$9,802
+HK$562/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$18,480/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,673
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,932
−HK$263/mo
Today · 4.125%
HK$10,195
baseline
▲ 0.50% · 4.625%
HK$10,733
+HK$538/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$20,390/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,179
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,527
−HK$353/mo
Today · 4.125%
HK$11,880
baseline
▲ 0.50% · 4.625%
HK$12,603
+HK$723/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,760/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$12,436
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,770
−HK$338/mo
Today · 4.125%
HK$13,108
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$691/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,216/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).