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$6,250
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,444
−HK$198/mo
Today · 4.125%
HK$6,642
baseline
▲ 0.50% · 4.625%
HK$7,046
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,284/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$6,953
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,140
−HK$189/mo
Today · 4.125%
HK$7,329
baseline
▲ 0.50% · 4.625%
HK$7,715
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,658/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$7,500
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,733
−HK$237/mo
Today · 4.125%
HK$7,970
baseline
▲ 0.50% · 4.625%
HK$8,455
+HK$485/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,940/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$8,344
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,568
−HK$227/mo
Today · 4.125%
HK$8,795
baseline
▲ 0.50% · 4.625%
HK$9,258
+HK$463/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,590/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$8,750
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,022
−HK$277/mo
Today · 4.125%
HK$9,299
baseline
▲ 0.50% · 4.625%
HK$9,865
+HK$566/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$18,598/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,734
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,995
−HK$265/mo
Today · 4.125%
HK$10,260
baseline
▲ 0.50% · 4.625%
HK$10,801
+HK$541/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$20,520/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,250
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,600
−HK$356/mo
Today · 4.125%
HK$11,956
baseline
▲ 0.50% · 4.625%
HK$12,683
+HK$727/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,912/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,516
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,851
−HK$341/mo
Today · 4.125%
HK$13,192
baseline
▲ 0.50% · 4.625%
HK$13,887
+HK$695/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,384/mo (50% DSR)
Upfront cash ≈ HK$274K (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).