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$6,460
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,660
−HK$205/mo
Today · 4.125%
HK$6,865
baseline
▲ 0.50% · 4.625%
HK$7,282
+HK$417/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,730/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$7,186
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,379
−HK$195/mo
Today · 4.125%
HK$7,574
baseline
▲ 0.50% · 4.625%
HK$7,974
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,148/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$7,751
−HK$487/mo
▼ 0.25% · 3.875%
HK$7,993
−HK$245/mo
Today · 4.125%
HK$8,238
baseline
▲ 0.50% · 4.625%
HK$8,739
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,476/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$8,623
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$234/mo
Today · 4.125%
HK$9,089
baseline
▲ 0.50% · 4.625%
HK$9,568
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,178/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$9,043
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,325
−HK$285/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,195
+HK$585/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,220/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,061
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,330
−HK$274/mo
Today · 4.125%
HK$10,604
baseline
▲ 0.50% · 4.625%
HK$11,163
+HK$559/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,208/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,627
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,989
−HK$367/mo
Today · 4.125%
HK$12,356
baseline
▲ 0.50% · 4.625%
HK$13,108
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,712/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$12,935
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,282
−HK$352/mo
Today · 4.125%
HK$13,634
baseline
▲ 0.50% · 4.625%
HK$14,353
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,268/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).