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$6,206
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,399
−HK$196/mo
Today · 4.125%
HK$6,595
baseline
▲ 0.50% · 4.625%
HK$6,996
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,190/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$6,904
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,089
−HK$188/mo
Today · 4.125%
HK$7,277
baseline
▲ 0.50% · 4.625%
HK$7,660
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,554/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$7,447
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,679
−HK$235/mo
Today · 4.125%
HK$7,914
baseline
▲ 0.50% · 4.625%
HK$8,395
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,828/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$8,285
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,507
−HK$225/mo
Today · 4.125%
HK$8,732
baseline
▲ 0.50% · 4.625%
HK$9,193
+HK$461/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,464/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$8,688
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,958
−HK$275/mo
Today · 4.125%
HK$9,233
baseline
▲ 0.50% · 4.625%
HK$9,795
+HK$562/mo
Deposit HK$816K · loan HK$1.91M · min. income ≈ HK$18,466/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,665
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,925
−HK$263/mo
Today · 4.125%
HK$10,188
baseline
▲ 0.50% · 4.625%
HK$10,725
+HK$537/mo
Deposit HK$816K · loan HK$1.91M · min. income ≈ HK$20,376/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,170
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,518
−HK$353/mo
Today · 4.125%
HK$11,871
baseline
▲ 0.50% · 4.625%
HK$12,593
+HK$722/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,742/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$12,427
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,760
−HK$338/mo
Today · 4.125%
HK$13,098
baseline
▲ 0.50% · 4.625%
HK$13,789
+HK$691/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,196/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).