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$6,265
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,460
−HK$198/mo
Today · 4.125%
HK$6,658
baseline
▲ 0.50% · 4.625%
HK$7,063
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,316/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,970
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,157
−HK$190/mo
Today · 4.125%
HK$7,347
baseline
▲ 0.50% · 4.625%
HK$7,734
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,694/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,518
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,752
−HK$238/mo
Today · 4.125%
HK$7,990
baseline
▲ 0.50% · 4.625%
HK$8,476
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,980/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$8,364
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,588
−HK$228/mo
Today · 4.125%
HK$8,816
baseline
▲ 0.50% · 4.625%
HK$9,281
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,632/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$8,771
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,044
−HK$277/mo
Today · 4.125%
HK$9,321
baseline
▲ 0.50% · 4.625%
HK$9,889
+HK$568/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$18,642/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,758
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,020
−HK$265/mo
Today · 4.125%
HK$10,285
baseline
▲ 0.50% · 4.625%
HK$10,827
+HK$542/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$20,570/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,277
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,628
−HK$357/mo
Today · 4.125%
HK$11,985
baseline
▲ 0.50% · 4.625%
HK$12,714
+HK$729/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,970/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,546
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,883
−HK$341/mo
Today · 4.125%
HK$13,224
baseline
▲ 0.50% · 4.625%
HK$13,921
+HK$697/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,448/mo (50% DSR)
Upfront cash ≈ HK$275K (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).