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$6,417
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,616
−HK$203/mo
Today · 4.125%
HK$6,819
baseline
▲ 0.50% · 4.625%
HK$7,234
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,638/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,138
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,330
−HK$194/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,921
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,048/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,700
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,939
−HK$244/mo
Today · 4.125%
HK$8,183
baseline
▲ 0.50% · 4.625%
HK$8,681
+HK$498/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,366/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,566
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,796
−HK$233/mo
Today · 4.125%
HK$9,029
baseline
▲ 0.50% · 4.625%
HK$9,505
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,058/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,983
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,263
−HK$284/mo
Today · 4.125%
HK$9,547
baseline
▲ 0.50% · 4.625%
HK$10,127
+HK$580/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$19,094/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,994
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,262
−HK$272/mo
Today · 4.125%
HK$10,534
baseline
▲ 0.50% · 4.625%
HK$11,089
+HK$555/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$21,068/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,550
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,909
−HK$365/mo
Today · 4.125%
HK$12,274
baseline
▲ 0.50% · 4.625%
HK$13,021
+HK$747/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,548/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,849
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,194
−HK$349/mo
Today · 4.125%
HK$13,543
baseline
▲ 0.50% · 4.625%
HK$14,257
+HK$714/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,086/mo (50% DSR)
Upfront cash ≈ HK$281K (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).