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$6,256
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,451
−HK$197/mo
Today · 4.125%
HK$6,648
baseline
▲ 0.50% · 4.625%
HK$7,053
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,296/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$6,960
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,146
−HK$190/mo
Today · 4.125%
HK$7,336
baseline
▲ 0.50% · 4.625%
HK$7,722
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,672/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$7,507
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,741
−HK$237/mo
Today · 4.125%
HK$7,978
baseline
▲ 0.50% · 4.625%
HK$8,463
+HK$485/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,956/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$8,352
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,576
−HK$227/mo
Today · 4.125%
HK$8,803
baseline
▲ 0.50% · 4.625%
HK$9,267
+HK$464/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,606/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$8,758
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,031
−HK$277/mo
Today · 4.125%
HK$9,308
baseline
▲ 0.50% · 4.625%
HK$9,874
+HK$566/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$18,616/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,744
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,005
−HK$265/mo
Today · 4.125%
HK$10,270
baseline
▲ 0.50% · 4.625%
HK$10,811
+HK$541/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$20,540/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,261
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$356/mo
Today · 4.125%
HK$11,967
baseline
▲ 0.50% · 4.625%
HK$12,695
+HK$728/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,934/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$12,528
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,864
−HK$340/mo
Today · 4.125%
HK$13,204
baseline
▲ 0.50% · 4.625%
HK$13,900
+HK$696/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,408/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).