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$6,295
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,491
−HK$199/mo
Today · 4.125%
HK$6,690
baseline
▲ 0.50% · 4.625%
HK$7,097
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,380/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$7,003
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,191
−HK$191/mo
Today · 4.125%
HK$7,382
baseline
▲ 0.50% · 4.625%
HK$7,771
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,764/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$7,554
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$239/mo
Today · 4.125%
HK$8,028
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$488/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$16,056/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$8,404
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,629
−HK$229/mo
Today · 4.125%
HK$8,858
baseline
▲ 0.50% · 4.625%
HK$9,325
+HK$467/mo
Deposit HK$1.10M · loan HK$1.66M · min. income ≈ HK$17,716/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$8,813
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,087
−HK$279/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,936
+HK$570/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$18,732/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$9,805
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,068
−HK$266/mo
Today · 4.125%
HK$10,334
baseline
▲ 0.50% · 4.625%
HK$10,879
+HK$545/mo
Deposit HK$828K · loan HK$1.93M · min. income ≈ HK$20,668/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$11,331
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,684
−HK$358/mo
Today · 4.125%
HK$12,042
baseline
▲ 0.50% · 4.625%
HK$12,775
+HK$733/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,084/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$12,606
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,944
−HK$343/mo
Today · 4.125%
HK$13,287
baseline
▲ 0.50% · 4.625%
HK$13,987
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,574/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).