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$6,225
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,419
−HK$197/mo
Today · 4.125%
HK$6,616
baseline
▲ 0.50% · 4.625%
HK$7,018
+HK$402/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,232/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$6,925
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,111
−HK$189/mo
Today · 4.125%
HK$7,300
baseline
▲ 0.50% · 4.625%
HK$7,684
+HK$384/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,600/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$7,470
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,703
−HK$236/mo
Today · 4.125%
HK$7,939
baseline
▲ 0.50% · 4.625%
HK$8,422
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,878/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$8,311
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$227/mo
Today · 4.125%
HK$8,760
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$461/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,520/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$8,715
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,986
−HK$276/mo
Today · 4.125%
HK$9,262
baseline
▲ 0.50% · 4.625%
HK$9,825
+HK$563/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,524/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,696
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,956
−HK$263/mo
Today · 4.125%
HK$10,219
baseline
▲ 0.50% · 4.625%
HK$10,758
+HK$539/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,438/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,205
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,554
−HK$354/mo
Today · 4.125%
HK$11,908
baseline
▲ 0.50% · 4.625%
HK$12,633
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,816/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,466
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,800
−HK$339/mo
Today · 4.125%
HK$13,139
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,278/mo (50% DSR)
Upfront cash ≈ HK$273K (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).