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$6,252
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,446
−HK$198/mo
Today · 4.125%
HK$6,644
baseline
▲ 0.50% · 4.625%
HK$7,048
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,288/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$6,955
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,141
−HK$190/mo
Today · 4.125%
HK$7,331
baseline
▲ 0.50% · 4.625%
HK$7,717
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,662/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$7,502
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,735
−HK$237/mo
Today · 4.125%
HK$7,972
baseline
▲ 0.50% · 4.625%
HK$8,458
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,944/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$8,346
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,570
−HK$227/mo
Today · 4.125%
HK$8,797
baseline
▲ 0.50% · 4.625%
HK$9,261
+HK$464/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,594/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$8,752
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,025
−HK$276/mo
Today · 4.125%
HK$9,301
baseline
▲ 0.50% · 4.625%
HK$9,867
+HK$566/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$18,602/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$9,737
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,998
−HK$265/mo
Today · 4.125%
HK$10,263
baseline
▲ 0.50% · 4.625%
HK$10,804
+HK$541/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$20,526/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$11,253
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,603
−HK$356/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,686
+HK$727/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,918/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$12,519
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,855
−HK$340/mo
Today · 4.125%
HK$13,195
baseline
▲ 0.50% · 4.625%
HK$13,891
+HK$696/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,390/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).