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$6,212
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,405
−HK$197/mo
Today · 4.125%
HK$6,602
baseline
▲ 0.50% · 4.625%
HK$7,003
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,204/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$6,911
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,096
−HK$188/mo
Today · 4.125%
HK$7,284
baseline
▲ 0.50% · 4.625%
HK$7,668
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,568/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$7,454
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,686
−HK$236/mo
Today · 4.125%
HK$7,922
baseline
▲ 0.50% · 4.625%
HK$8,404
+HK$482/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,844/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$8,293
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,515
−HK$226/mo
Today · 4.125%
HK$8,741
baseline
▲ 0.50% · 4.625%
HK$9,202
+HK$461/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,482/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$8,697
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,967
−HK$275/mo
Today · 4.125%
HK$9,242
baseline
▲ 0.50% · 4.625%
HK$9,805
+HK$563/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$18,484/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,675
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,935
−HK$263/mo
Today · 4.125%
HK$10,198
baseline
▲ 0.50% · 4.625%
HK$10,735
+HK$537/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$20,396/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,182
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,529
−HK$354/mo
Today · 4.125%
HK$11,883
baseline
▲ 0.50% · 4.625%
HK$12,606
+HK$723/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,766/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$12,439
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,773
−HK$339/mo
Today · 4.125%
HK$13,112
baseline
▲ 0.50% · 4.625%
HK$13,803
+HK$691/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,224/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).