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$6,207
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,400
−HK$196/mo
Today · 4.125%
HK$6,596
baseline
▲ 0.50% · 4.625%
HK$6,998
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,192/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$6,905
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,091
−HK$187/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,662
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,556/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$7,449
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,680
−HK$236/mo
Today · 4.125%
HK$7,916
baseline
▲ 0.50% · 4.625%
HK$8,397
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,832/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$8,286
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,509
−HK$225/mo
Today · 4.125%
HK$8,734
baseline
▲ 0.50% · 4.625%
HK$9,195
+HK$461/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,468/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$8,690
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,960
−HK$275/mo
Today · 4.125%
HK$9,235
baseline
▲ 0.50% · 4.625%
HK$9,797
+HK$562/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$18,470/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$9,668
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$263/mo
Today · 4.125%
HK$10,190
baseline
▲ 0.50% · 4.625%
HK$10,727
+HK$537/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$20,380/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$11,173
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,520
−HK$353/mo
Today · 4.125%
HK$11,873
baseline
▲ 0.50% · 4.625%
HK$12,596
+HK$723/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,746/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$12,430
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,763
−HK$338/mo
Today · 4.125%
HK$13,101
baseline
▲ 0.50% · 4.625%
HK$13,792
+HK$691/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,202/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).