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$6,222
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,416
−HK$197/mo
Today · 4.125%
HK$6,613
baseline
▲ 0.50% · 4.625%
HK$7,015
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,226/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$6,922
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,108
−HK$188/mo
Today · 4.125%
HK$7,296
baseline
▲ 0.50% · 4.625%
HK$7,681
+HK$385/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,592/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$7,467
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$236/mo
Today · 4.125%
HK$7,935
baseline
▲ 0.50% · 4.625%
HK$8,418
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,870/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$8,307
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$226/mo
Today · 4.125%
HK$8,756
baseline
▲ 0.50% · 4.625%
HK$9,217
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,512/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$8,711
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,982
−HK$276/mo
Today · 4.125%
HK$9,258
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$563/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,516/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,691
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,951
−HK$264/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,753
+HK$538/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,430/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,200
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$354/mo
Today · 4.125%
HK$11,903
baseline
▲ 0.50% · 4.625%
HK$12,627
+HK$724/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,806/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,460
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,794
−HK$339/mo
Today · 4.125%
HK$13,133
baseline
▲ 0.50% · 4.625%
HK$13,826
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,266/mo (50% DSR)
Upfront cash ≈ HK$273K (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).