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$6,222
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,415
−HK$197/mo
Today · 4.125%
HK$6,612
baseline
▲ 0.50% · 4.625%
HK$7,014
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,224/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$6,921
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,107
−HK$188/mo
Today · 4.125%
HK$7,295
baseline
▲ 0.50% · 4.625%
HK$7,680
+HK$385/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,590/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$7,466
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,698
−HK$236/mo
Today · 4.125%
HK$7,934
baseline
▲ 0.50% · 4.625%
HK$8,417
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,868/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$8,306
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,528
−HK$226/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,216
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,508/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$8,710
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,981
−HK$275/mo
Today · 4.125%
HK$9,256
baseline
▲ 0.50% · 4.625%
HK$9,820
+HK$564/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,512/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$9,690
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,950
−HK$263/mo
Today · 4.125%
HK$10,213
baseline
▲ 0.50% · 4.625%
HK$10,752
+HK$539/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,426/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$11,199
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,547
−HK$354/mo
Today · 4.125%
HK$11,901
baseline
▲ 0.50% · 4.625%
HK$12,625
+HK$724/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,802/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$12,458
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,793
−HK$339/mo
Today · 4.125%
HK$13,132
baseline
▲ 0.50% · 4.625%
HK$13,824
+HK$692/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,264/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).