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$6,314
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,510
−HK$200/mo
Today · 4.125%
HK$6,710
baseline
▲ 0.50% · 4.625%
HK$7,118
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,420/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$7,024
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,212
−HK$192/mo
Today · 4.125%
HK$7,404
baseline
▲ 0.50% · 4.625%
HK$7,794
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,808/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$7,577
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,812
−HK$240/mo
Today · 4.125%
HK$8,052
baseline
▲ 0.50% · 4.625%
HK$8,542
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,104/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,429
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,655
−HK$229/mo
Today · 4.125%
HK$8,884
baseline
▲ 0.50% · 4.625%
HK$9,353
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,768/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,839
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,114
−HK$280/mo
Today · 4.125%
HK$9,394
baseline
▲ 0.50% · 4.625%
HK$9,965
+HK$571/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,788/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,834
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,097
−HK$268/mo
Today · 4.125%
HK$10,365
baseline
▲ 0.50% · 4.625%
HK$10,911
+HK$546/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,730/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,365
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,718
−HK$360/mo
Today · 4.125%
HK$12,078
baseline
▲ 0.50% · 4.625%
HK$12,812
+HK$734/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,156/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,643
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,982
−HK$344/mo
Today · 4.125%
HK$13,326
baseline
▲ 0.50% · 4.625%
HK$14,029
+HK$703/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,652/mo (50% DSR)
Upfront cash ≈ HK$277K (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).