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$6,287
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,483
−HK$198/mo
Today · 4.125%
HK$6,681
baseline
▲ 0.50% · 4.625%
HK$7,088
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,362/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$6,994
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,182
−HK$190/mo
Today · 4.125%
HK$7,372
baseline
▲ 0.50% · 4.625%
HK$7,761
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,744/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$7,544
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,779
−HK$238/mo
Today · 4.125%
HK$8,017
baseline
▲ 0.50% · 4.625%
HK$8,505
+HK$488/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,034/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$8,393
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,618
−HK$228/mo
Today · 4.125%
HK$8,846
baseline
▲ 0.50% · 4.625%
HK$9,313
+HK$467/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,692/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$8,802
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,076
−HK$278/mo
Today · 4.125%
HK$9,354
baseline
▲ 0.50% · 4.625%
HK$9,923
+HK$569/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$18,708/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,792
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,054
−HK$267/mo
Today · 4.125%
HK$10,321
baseline
▲ 0.50% · 4.625%
HK$10,865
+HK$544/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$20,642/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,317
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,669
−HK$357/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,758
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,052/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$12,590
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,927
−HK$343/mo
Today · 4.125%
HK$13,270
baseline
▲ 0.50% · 4.625%
HK$13,969
+HK$699/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,540/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).