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$6,254
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,448
−HK$198/mo
Today · 4.125%
HK$6,646
baseline
▲ 0.50% · 4.625%
HK$7,050
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,292/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$6,957
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,144
−HK$189/mo
Today · 4.125%
HK$7,333
baseline
▲ 0.50% · 4.625%
HK$7,719
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,666/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$7,504
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,738
−HK$237/mo
Today · 4.125%
HK$7,975
baseline
▲ 0.50% · 4.625%
HK$8,460
+HK$485/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,950/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$8,348
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,572
−HK$228/mo
Today · 4.125%
HK$8,800
baseline
▲ 0.50% · 4.625%
HK$9,263
+HK$463/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,600/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$8,755
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,027
−HK$277/mo
Today · 4.125%
HK$9,304
baseline
▲ 0.50% · 4.625%
HK$9,870
+HK$566/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$18,608/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,740
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,001
−HK$265/mo
Today · 4.125%
HK$10,266
baseline
▲ 0.50% · 4.625%
HK$10,807
+HK$541/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$20,532/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,256
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,607
−HK$355/mo
Today · 4.125%
HK$11,962
baseline
▲ 0.50% · 4.625%
HK$12,690
+HK$728/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,924/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$12,523
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,859
−HK$340/mo
Today · 4.125%
HK$13,199
baseline
▲ 0.50% · 4.625%
HK$13,895
+HK$696/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,398/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).