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$6,203
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,396
−HK$196/mo
Today · 4.125%
HK$6,592
baseline
▲ 0.50% · 4.625%
HK$6,993
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,184/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$6,901
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,086
−HK$188/mo
Today · 4.125%
HK$7,274
baseline
▲ 0.50% · 4.625%
HK$7,657
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,548/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$7,444
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$235/mo
Today · 4.125%
HK$7,910
baseline
▲ 0.50% · 4.625%
HK$8,392
+HK$482/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,820/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$8,281
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,503
−HK$225/mo
Today · 4.125%
HK$8,728
baseline
▲ 0.50% · 4.625%
HK$9,188
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,456/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$8,684
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,954
−HK$275/mo
Today · 4.125%
HK$9,229
baseline
▲ 0.50% · 4.625%
HK$9,790
+HK$561/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$18,458/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,661
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,920
−HK$263/mo
Today · 4.125%
HK$10,183
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$537/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$20,366/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,165
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,513
−HK$352/mo
Today · 4.125%
HK$11,865
baseline
▲ 0.50% · 4.625%
HK$12,587
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,730/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$12,421
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,754
−HK$338/mo
Today · 4.125%
HK$13,092
baseline
▲ 0.50% · 4.625%
HK$13,782
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,184/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).