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$6,280
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,476
−HK$198/mo
Today · 4.125%
HK$6,674
baseline
▲ 0.50% · 4.625%
HK$7,080
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,348/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$6,987
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,174
−HK$190/mo
Today · 4.125%
HK$7,364
baseline
▲ 0.50% · 4.625%
HK$7,753
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,728/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$472/mo
▼ 0.25% · 3.875%
HK$7,771
−HK$238/mo
Today · 4.125%
HK$8,009
baseline
▲ 0.50% · 4.625%
HK$8,496
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,018/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$8,384
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,609
−HK$228/mo
Today · 4.125%
HK$8,837
baseline
▲ 0.50% · 4.625%
HK$9,303
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,674/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$551/mo
▼ 0.25% · 3.875%
HK$9,066
−HK$278/mo
Today · 4.125%
HK$9,344
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$569/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$18,688/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$9,782
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,044
−HK$266/mo
Today · 4.125%
HK$10,310
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$544/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$20,620/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$11,305
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,656
−HK$358/mo
Today · 4.125%
HK$12,014
baseline
▲ 0.50% · 4.625%
HK$12,745
+HK$731/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,028/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$12,576
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,914
−HK$342/mo
Today · 4.125%
HK$13,256
baseline
▲ 0.50% · 4.625%
HK$13,955
+HK$699/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,512/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).