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$6,316
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,512
−HK$200/mo
Today · 4.125%
HK$6,712
baseline
▲ 0.50% · 4.625%
HK$7,120
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,424/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,026
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,215
−HK$191/mo
Today · 4.125%
HK$7,406
baseline
▲ 0.50% · 4.625%
HK$7,796
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,812/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,579
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,815
−HK$239/mo
Today · 4.125%
HK$8,054
baseline
▲ 0.50% · 4.625%
HK$8,544
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,108/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,432
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,658
−HK$229/mo
Today · 4.125%
HK$8,887
baseline
▲ 0.50% · 4.625%
HK$9,356
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,774/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,842
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,117
−HK$280/mo
Today · 4.125%
HK$9,397
baseline
▲ 0.50% · 4.625%
HK$9,968
+HK$571/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,794/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,837
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,101
−HK$267/mo
Today · 4.125%
HK$10,368
baseline
▲ 0.50% · 4.625%
HK$10,915
+HK$547/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,736/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,368
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,722
−HK$359/mo
Today · 4.125%
HK$12,081
baseline
▲ 0.50% · 4.625%
HK$12,816
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,162/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,647
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,986
−HK$345/mo
Today · 4.125%
HK$13,331
baseline
▲ 0.50% · 4.625%
HK$14,033
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,662/mo (50% DSR)
Upfront cash ≈ HK$277K (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).