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$6,447
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,647
−HK$204/mo
Today · 4.125%
HK$6,851
baseline
▲ 0.50% · 4.625%
HK$7,268
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,702/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$7,172
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,364
−HK$195/mo
Today · 4.125%
HK$7,559
baseline
▲ 0.50% · 4.625%
HK$7,958
+HK$399/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,118/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$7,736
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,977
−HK$244/mo
Today · 4.125%
HK$8,221
baseline
▲ 0.50% · 4.625%
HK$8,722
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,442/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$8,606
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,837
−HK$234/mo
Today · 4.125%
HK$9,071
baseline
▲ 0.50% · 4.625%
HK$9,550
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,142/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$9,026
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$285/mo
Today · 4.125%
HK$9,591
baseline
▲ 0.50% · 4.625%
HK$10,175
+HK$584/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$19,182/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,041
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,310
−HK$273/mo
Today · 4.125%
HK$10,583
baseline
▲ 0.50% · 4.625%
HK$11,141
+HK$558/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$21,166/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,604
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,965
−HK$367/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$13,082
+HK$750/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$24,664/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,910
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,256
−HK$351/mo
Today · 4.125%
HK$13,607
baseline
▲ 0.50% · 4.625%
HK$14,324
+HK$717/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$27,214/mo (50% DSR)
Upfront cash ≈ HK$283K (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).