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$6,194
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,386
−HK$196/mo
Today · 4.125%
HK$6,582
baseline
▲ 0.50% · 4.625%
HK$6,983
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,164/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,891
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,075
−HK$188/mo
Today · 4.125%
HK$7,263
baseline
▲ 0.50% · 4.625%
HK$7,646
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,526/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,433
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,664
−HK$235/mo
Today · 4.125%
HK$7,899
baseline
▲ 0.50% · 4.625%
HK$8,379
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,798/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$8,269
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,490
−HK$225/mo
Today · 4.125%
HK$8,715
baseline
▲ 0.50% · 4.625%
HK$9,175
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,430/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$8,671
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,941
−HK$274/mo
Today · 4.125%
HK$9,215
baseline
▲ 0.50% · 4.625%
HK$9,776
+HK$561/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,430/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,647
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,906
−HK$262/mo
Today · 4.125%
HK$10,168
baseline
▲ 0.50% · 4.625%
HK$10,704
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,336/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,149
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,496
−HK$352/mo
Today · 4.125%
HK$11,848
baseline
▲ 0.50% · 4.625%
HK$12,569
+HK$721/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$23,696/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,403
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,736
−HK$337/mo
Today · 4.125%
HK$13,073
baseline
▲ 0.50% · 4.625%
HK$13,762
+HK$689/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$26,146/mo (50% DSR)
Upfront cash ≈ HK$272K (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).