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$6,464
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,665
−HK$204/mo
Today · 4.125%
HK$6,869
baseline
▲ 0.50% · 4.625%
HK$7,287
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,738/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$7,191
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,384
−HK$196/mo
Today · 4.125%
HK$7,580
baseline
▲ 0.50% · 4.625%
HK$7,979
+HK$399/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$7,757
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,998
−HK$245/mo
Today · 4.125%
HK$8,243
baseline
▲ 0.50% · 4.625%
HK$8,745
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,486/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$8,629
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,861
−HK$235/mo
Today · 4.125%
HK$9,096
baseline
▲ 0.50% · 4.625%
HK$9,575
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,192/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$9,050
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,331
−HK$286/mo
Today · 4.125%
HK$9,617
baseline
▲ 0.50% · 4.625%
HK$10,202
+HK$585/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,234/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$10,068
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,338
−HK$274/mo
Today · 4.125%
HK$10,612
baseline
▲ 0.50% · 4.625%
HK$11,171
+HK$559/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,224/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$11,635
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,997
−HK$368/mo
Today · 4.125%
HK$12,365
baseline
▲ 0.50% · 4.625%
HK$13,117
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,730/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$12,944
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,291
−HK$353/mo
Today · 4.125%
HK$13,644
baseline
▲ 0.50% · 4.625%
HK$14,363
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,288/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).