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$6,474
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,675
−HK$205/mo
Today · 4.125%
HK$6,880
baseline
▲ 0.50% · 4.625%
HK$7,298
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,760/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$7,202
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,395
−HK$196/mo
Today · 4.125%
HK$7,591
baseline
▲ 0.50% · 4.625%
HK$7,991
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,182/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$7,769
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,010
−HK$246/mo
Today · 4.125%
HK$8,256
baseline
▲ 0.50% · 4.625%
HK$8,758
+HK$502/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,512/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,643
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,874
−HK$236/mo
Today · 4.125%
HK$9,110
baseline
▲ 0.50% · 4.625%
HK$9,590
+HK$480/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,220/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,063
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$287/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,218
+HK$586/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,264/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,083
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$275/mo
Today · 4.125%
HK$10,628
baseline
▲ 0.50% · 4.625%
HK$11,188
+HK$560/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,256/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,653
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,015
−HK$369/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,137
+HK$753/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,768/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$12,964
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$352/mo
Today · 4.125%
HK$13,664
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,328/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).