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$6,283
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,478
−HK$199/mo
Today · 4.125%
HK$6,677
baseline
▲ 0.50% · 4.625%
HK$7,083
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,354/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$6,990
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,177
−HK$190/mo
Today · 4.125%
HK$7,367
baseline
▲ 0.50% · 4.625%
HK$7,756
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,734/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$7,539
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,774
−HK$238/mo
Today · 4.125%
HK$8,012
baseline
▲ 0.50% · 4.625%
HK$8,500
+HK$488/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,024/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$8,388
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,612
−HK$229/mo
Today · 4.125%
HK$8,841
baseline
▲ 0.50% · 4.625%
HK$9,307
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,682/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$8,796
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,070
−HK$278/mo
Today · 4.125%
HK$9,348
baseline
▲ 0.50% · 4.625%
HK$9,916
+HK$568/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$18,696/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$9,785
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$266/mo
Today · 4.125%
HK$10,314
baseline
▲ 0.50% · 4.625%
HK$10,858
+HK$544/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$20,628/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$11,309
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,661
−HK$357/mo
Today · 4.125%
HK$12,018
baseline
▲ 0.50% · 4.625%
HK$12,750
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,036/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$12,581
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,919
−HK$342/mo
Today · 4.125%
HK$13,261
baseline
▲ 0.50% · 4.625%
HK$13,960
+HK$699/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,522/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).