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$6,477
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,679
−HK$204/mo
Today · 4.125%
HK$6,883
baseline
▲ 0.50% · 4.625%
HK$7,302
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,766/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$7,206
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,399
−HK$196/mo
Today · 4.125%
HK$7,595
baseline
▲ 0.50% · 4.625%
HK$7,996
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,190/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$7,773
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$246/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,763
+HK$503/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,520/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$8,647
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,879
−HK$235/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,595
+HK$481/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,228/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$9,068
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,350
−HK$287/mo
Today · 4.125%
HK$9,637
baseline
▲ 0.50% · 4.625%
HK$10,223
+HK$586/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,274/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$10,088
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,359
−HK$274/mo
Today · 4.125%
HK$10,633
baseline
▲ 0.50% · 4.625%
HK$11,194
+HK$561/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,266/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$11,659
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,022
−HK$368/mo
Today · 4.125%
HK$12,390
baseline
▲ 0.50% · 4.625%
HK$13,144
+HK$754/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,780/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$12,971
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,318
−HK$353/mo
Today · 4.125%
HK$13,671
baseline
▲ 0.50% · 4.625%
HK$14,392
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,342/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).