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$6,289
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,485
−HK$198/mo
Today · 4.125%
HK$6,683
baseline
▲ 0.50% · 4.625%
HK$7,090
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,366/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,996
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,184
−HK$190/mo
Today · 4.125%
HK$7,374
baseline
▲ 0.50% · 4.625%
HK$7,763
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,748/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,547
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,781
−HK$239/mo
Today · 4.125%
HK$8,020
baseline
▲ 0.50% · 4.625%
HK$8,508
+HK$488/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,040/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$8,396
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,621
−HK$228/mo
Today · 4.125%
HK$8,849
baseline
▲ 0.50% · 4.625%
HK$9,316
+HK$467/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,698/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$8,804
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,078
−HK$279/mo
Today · 4.125%
HK$9,357
baseline
▲ 0.50% · 4.625%
HK$9,926
+HK$569/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$18,714/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,795
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$266/mo
Today · 4.125%
HK$10,324
baseline
▲ 0.50% · 4.625%
HK$10,868
+HK$544/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$20,648/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,320
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$358/mo
Today · 4.125%
HK$12,030
baseline
▲ 0.50% · 4.625%
HK$12,762
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,060/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,593
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$343/mo
Today · 4.125%
HK$13,274
baseline
▲ 0.50% · 4.625%
HK$13,973
+HK$699/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,548/mo (50% DSR)
Upfront cash ≈ HK$276K (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).