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$6,208
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,401
−HK$196/mo
Today · 4.125%
HK$6,597
baseline
▲ 0.50% · 4.625%
HK$6,999
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,194/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$6,907
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,092
−HK$188/mo
Today · 4.125%
HK$7,280
baseline
▲ 0.50% · 4.625%
HK$7,663
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,560/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$7,450
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,682
−HK$235/mo
Today · 4.125%
HK$7,917
baseline
▲ 0.50% · 4.625%
HK$8,399
+HK$482/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,834/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$8,288
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,510
−HK$226/mo
Today · 4.125%
HK$8,736
baseline
▲ 0.50% · 4.625%
HK$9,196
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,472/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$8,691
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,962
−HK$274/mo
Today · 4.125%
HK$9,236
baseline
▲ 0.50% · 4.625%
HK$9,798
+HK$562/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$18,472/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$9,669
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,928
−HK$264/mo
Today · 4.125%
HK$10,192
baseline
▲ 0.50% · 4.625%
HK$10,729
+HK$537/mo
Deposit HK$817K · loan HK$1.91M · min. income ≈ HK$20,384/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$11,175
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,522
−HK$353/mo
Today · 4.125%
HK$11,875
baseline
▲ 0.50% · 4.625%
HK$12,598
+HK$723/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,750/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,432
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,765
−HK$338/mo
Today · 4.125%
HK$13,103
baseline
▲ 0.50% · 4.625%
HK$13,794
+HK$691/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,206/mo (50% DSR)
Upfront cash ≈ HK$272K (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).