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$6,282
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,478
−HK$198/mo
Today · 4.125%
HK$6,676
baseline
▲ 0.50% · 4.625%
HK$7,082
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,352/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$6,989
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,176
−HK$190/mo
Today · 4.125%
HK$7,366
baseline
▲ 0.50% · 4.625%
HK$7,755
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,732/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$472/mo
▼ 0.25% · 3.875%
HK$7,773
−HK$238/mo
Today · 4.125%
HK$8,011
baseline
▲ 0.50% · 4.625%
HK$8,499
+HK$488/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,022/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$8,387
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,611
−HK$229/mo
Today · 4.125%
HK$8,840
baseline
▲ 0.50% · 4.625%
HK$9,306
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,680/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$8,795
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,069
−HK$277/mo
Today · 4.125%
HK$9,346
baseline
▲ 0.50% · 4.625%
HK$9,915
+HK$569/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$18,692/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$9,784
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,047
−HK$266/mo
Today · 4.125%
HK$10,313
baseline
▲ 0.50% · 4.625%
HK$10,857
+HK$544/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$20,626/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$11,308
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,660
−HK$357/mo
Today · 4.125%
HK$12,017
baseline
▲ 0.50% · 4.625%
HK$12,748
+HK$731/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,034/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$12,580
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$342/mo
Today · 4.125%
HK$13,259
baseline
▲ 0.50% · 4.625%
HK$13,958
+HK$699/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,518/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).