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$6,294
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,490
−HK$199/mo
Today · 4.125%
HK$6,689
baseline
▲ 0.50% · 4.625%
HK$7,096
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,378/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$7,002
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,190
−HK$190/mo
Today · 4.125%
HK$7,380
baseline
▲ 0.50% · 4.625%
HK$7,769
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,760/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$7,553
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,788
−HK$238/mo
Today · 4.125%
HK$8,026
baseline
▲ 0.50% · 4.625%
HK$8,515
+HK$489/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,052/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$8,402
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,628
−HK$228/mo
Today · 4.125%
HK$8,856
baseline
▲ 0.50% · 4.625%
HK$9,323
+HK$467/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,712/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$8,811
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,086
−HK$278/mo
Today · 4.125%
HK$9,364
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,728/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$9,803
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$266/mo
Today · 4.125%
HK$10,332
baseline
▲ 0.50% · 4.625%
HK$10,877
+HK$545/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,664/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$11,329
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,681
−HK$358/mo
Today · 4.125%
HK$12,039
baseline
▲ 0.50% · 4.625%
HK$12,772
+HK$733/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,078/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$12,603
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,941
−HK$343/mo
Today · 4.125%
HK$13,284
baseline
▲ 0.50% · 4.625%
HK$13,985
+HK$701/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,568/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).