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$6,290
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,486
−HK$199/mo
Today · 4.125%
HK$6,685
baseline
▲ 0.50% · 4.625%
HK$7,091
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,370/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$6,998
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,186
−HK$190/mo
Today · 4.125%
HK$7,376
baseline
▲ 0.50% · 4.625%
HK$7,765
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,752/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$7,548
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,783
−HK$239/mo
Today · 4.125%
HK$8,022
baseline
▲ 0.50% · 4.625%
HK$8,510
+HK$488/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,044/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$8,397
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,623
−HK$228/mo
Today · 4.125%
HK$8,851
baseline
▲ 0.50% · 4.625%
HK$9,318
+HK$467/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,702/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$8,806
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,080
−HK$279/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$569/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,718/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,797
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,060
−HK$266/mo
Today · 4.125%
HK$10,326
baseline
▲ 0.50% · 4.625%
HK$10,871
+HK$545/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,652/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,323
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,675
−HK$358/mo
Today · 4.125%
HK$12,033
baseline
▲ 0.50% · 4.625%
HK$12,765
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,066/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$12,596
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,934
−HK$343/mo
Today · 4.125%
HK$13,277
baseline
▲ 0.50% · 4.625%
HK$13,977
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,554/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).