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$6,233
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,427
−HK$197/mo
Today · 4.125%
HK$6,624
baseline
▲ 0.50% · 4.625%
HK$7,027
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,248/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$6,935
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,121
−HK$188/mo
Today · 4.125%
HK$7,309
baseline
▲ 0.50% · 4.625%
HK$7,695
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,618/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$7,480
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,713
−HK$236/mo
Today · 4.125%
HK$7,949
baseline
▲ 0.50% · 4.625%
HK$8,433
+HK$484/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,898/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$8,322
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,545
−HK$226/mo
Today · 4.125%
HK$8,771
baseline
▲ 0.50% · 4.625%
HK$9,234
+HK$463/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,542/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$8,727
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$276/mo
Today · 4.125%
HK$9,274
baseline
▲ 0.50% · 4.625%
HK$9,838
+HK$564/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$18,548/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,709
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,969
−HK$264/mo
Today · 4.125%
HK$10,233
baseline
▲ 0.50% · 4.625%
HK$10,772
+HK$539/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$20,466/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,220
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,569
−HK$355/mo
Today · 4.125%
HK$11,924
baseline
▲ 0.50% · 4.625%
HK$12,649
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,848/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$12,482
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,817
−HK$340/mo
Today · 4.125%
HK$13,157
baseline
▲ 0.50% · 4.625%
HK$13,850
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,314/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).