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$6,465
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,666
−HK$204/mo
Today · 4.125%
HK$6,870
baseline
▲ 0.50% · 4.625%
HK$7,288
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,740/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,192
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,385
−HK$195/mo
Today · 4.125%
HK$7,580
baseline
▲ 0.50% · 4.625%
HK$7,980
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,160/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,758
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,999
−HK$245/mo
Today · 4.125%
HK$8,244
baseline
▲ 0.50% · 4.625%
HK$8,746
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,488/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$8,630
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,862
−HK$235/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,576
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,194/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$9,051
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,332
−HK$286/mo
Today · 4.125%
HK$9,618
baseline
▲ 0.50% · 4.625%
HK$10,203
+HK$585/mo
Deposit HK$851K · loan HK$1.98M · min. income ≈ HK$19,236/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,069
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,339
−HK$274/mo
Today · 4.125%
HK$10,613
baseline
▲ 0.50% · 4.625%
HK$11,172
+HK$559/mo
Deposit HK$851K · loan HK$1.98M · min. income ≈ HK$21,226/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,636
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,998
−HK$368/mo
Today · 4.125%
HK$12,366
baseline
▲ 0.50% · 4.625%
HK$13,119
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,732/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,945
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$352/mo
Today · 4.125%
HK$13,645
baseline
▲ 0.50% · 4.625%
HK$14,364
+HK$719/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,290/mo (50% DSR)
Upfront cash ≈ HK$284K (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).