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$6,248
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,442
−HK$198/mo
Today · 4.125%
HK$6,640
baseline
▲ 0.50% · 4.625%
HK$7,044
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,280/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,951
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,137
−HK$189/mo
Today · 4.125%
HK$7,326
baseline
▲ 0.50% · 4.625%
HK$7,712
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,652/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,497
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,731
−HK$237/mo
Today · 4.125%
HK$7,968
baseline
▲ 0.50% · 4.625%
HK$8,452
+HK$484/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,936/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,341
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,564
−HK$227/mo
Today · 4.125%
HK$8,791
baseline
▲ 0.50% · 4.625%
HK$9,255
+HK$464/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,582/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,747
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,019
−HK$277/mo
Today · 4.125%
HK$9,296
baseline
▲ 0.50% · 4.625%
HK$9,861
+HK$565/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$18,592/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,731
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,992
−HK$265/mo
Today · 4.125%
HK$10,257
baseline
▲ 0.50% · 4.625%
HK$10,797
+HK$540/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$20,514/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,246
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,596
−HK$355/mo
Today · 4.125%
HK$11,951
baseline
▲ 0.50% · 4.625%
HK$12,679
+HK$728/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,902/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,511
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,847
−HK$340/mo
Today · 4.125%
HK$13,187
baseline
▲ 0.50% · 4.625%
HK$13,882
+HK$695/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,374/mo (50% DSR)
Upfront cash ≈ HK$274K (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).