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$6,231
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,424
−HK$197/mo
Today · 4.125%
HK$6,621
baseline
▲ 0.50% · 4.625%
HK$7,024
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,242/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$6,931
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,117
−HK$189/mo
Today · 4.125%
HK$7,306
baseline
▲ 0.50% · 4.625%
HK$7,691
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,612/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$7,477
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,709
−HK$237/mo
Today · 4.125%
HK$7,946
baseline
▲ 0.50% · 4.625%
HK$8,429
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,892/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$8,318
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,541
−HK$226/mo
Today · 4.125%
HK$8,767
baseline
▲ 0.50% · 4.625%
HK$9,229
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,534/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$8,723
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,994
−HK$276/mo
Today · 4.125%
HK$9,270
baseline
▲ 0.50% · 4.625%
HK$9,834
+HK$564/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$18,540/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,704
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,964
−HK$264/mo
Today · 4.125%
HK$10,228
baseline
▲ 0.50% · 4.625%
HK$10,767
+HK$539/mo
Deposit HK$820K · loan HK$1.91M · min. income ≈ HK$20,456/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,215
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,564
−HK$354/mo
Today · 4.125%
HK$11,918
baseline
▲ 0.50% · 4.625%
HK$12,644
+HK$726/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,836/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,477
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,811
−HK$340/mo
Today · 4.125%
HK$13,151
baseline
▲ 0.50% · 4.625%
HK$13,844
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,302/mo (50% DSR)
Upfront cash ≈ HK$273K (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).