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$6,427
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,626
−HK$204/mo
Today · 4.125%
HK$6,830
baseline
▲ 0.50% · 4.625%
HK$7,245
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,660/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$7,149
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,341
−HK$195/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,933
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,072/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$7,712
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,952
−HK$243/mo
Today · 4.125%
HK$8,195
baseline
▲ 0.50% · 4.625%
HK$8,694
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,390/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$8,579
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,809
−HK$234/mo
Today · 4.125%
HK$9,043
baseline
▲ 0.50% · 4.625%
HK$9,519
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,086/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$8,997
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$284/mo
Today · 4.125%
HK$9,561
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$582/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$19,122/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,009
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,278
−HK$272/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,106
+HK$556/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$21,100/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,568
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,928
−HK$365/mo
Today · 4.125%
HK$12,293
baseline
▲ 0.50% · 4.625%
HK$13,041
+HK$748/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,586/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,869
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,214
−HK$350/mo
Today · 4.125%
HK$13,564
baseline
▲ 0.50% · 4.625%
HK$14,279
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,128/mo (50% DSR)
Upfront cash ≈ HK$282K (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).