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$6,281
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,476
−HK$199/mo
Today · 4.125%
HK$6,675
baseline
▲ 0.50% · 4.625%
HK$7,081
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,350/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$6,988
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,175
−HK$190/mo
Today · 4.125%
HK$7,365
baseline
▲ 0.50% · 4.625%
HK$7,753
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,730/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$7,537
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,772
−HK$238/mo
Today · 4.125%
HK$8,010
baseline
▲ 0.50% · 4.625%
HK$8,497
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,020/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$8,385
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,610
−HK$228/mo
Today · 4.125%
HK$8,838
baseline
▲ 0.50% · 4.625%
HK$9,304
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,676/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$8,793
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$278/mo
Today · 4.125%
HK$9,345
baseline
▲ 0.50% · 4.625%
HK$9,914
+HK$569/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$18,690/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,783
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,045
−HK$266/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,855
+HK$544/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$20,622/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,306
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,658
−HK$357/mo
Today · 4.125%
HK$12,015
baseline
▲ 0.50% · 4.625%
HK$12,746
+HK$731/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,030/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$12,578
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,915
−HK$342/mo
Today · 4.125%
HK$13,257
baseline
▲ 0.50% · 4.625%
HK$13,956
+HK$699/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,514/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).