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$6,437
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,637
−HK$203/mo
Today · 4.125%
HK$6,840
baseline
▲ 0.50% · 4.625%
HK$7,256
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,680/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$7,161
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,353
−HK$195/mo
Today · 4.125%
HK$7,548
baseline
▲ 0.50% · 4.625%
HK$7,945
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,096/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$7,724
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,964
−HK$244/mo
Today · 4.125%
HK$8,208
baseline
▲ 0.50% · 4.625%
HK$8,708
+HK$500/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,416/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$8,593
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,823
−HK$234/mo
Today · 4.125%
HK$9,057
baseline
▲ 0.50% · 4.625%
HK$9,534
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,114/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$9,011
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,292
−HK$284/mo
Today · 4.125%
HK$9,576
baseline
▲ 0.50% · 4.625%
HK$10,159
+HK$583/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$19,152/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,025
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,294
−HK$273/mo
Today · 4.125%
HK$10,567
baseline
▲ 0.50% · 4.625%
HK$11,123
+HK$556/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$21,134/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,586
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,946
−HK$366/mo
Today · 4.125%
HK$12,312
baseline
▲ 0.50% · 4.625%
HK$13,062
+HK$750/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,624/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$12,889
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$351/mo
Today · 4.125%
HK$13,586
baseline
▲ 0.50% · 4.625%
HK$14,302
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,172/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).