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$6,465
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,666
−HK$205/mo
Today · 4.125%
HK$6,871
baseline
▲ 0.50% · 4.625%
HK$7,289
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,742/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$7,193
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,385
−HK$196/mo
Today · 4.125%
HK$7,581
baseline
▲ 0.50% · 4.625%
HK$7,981
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,162/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$7,758
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,000
−HK$245/mo
Today · 4.125%
HK$8,245
baseline
▲ 0.50% · 4.625%
HK$8,747
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,490/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$8,631
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,863
−HK$234/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,577
+HK$480/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,194/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$9,051
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,333
−HK$286/mo
Today · 4.125%
HK$9,619
baseline
▲ 0.50% · 4.625%
HK$10,204
+HK$585/mo
Deposit HK$851K · loan HK$1.98M · min. income ≈ HK$19,238/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$10,070
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,340
−HK$274/mo
Today · 4.125%
HK$10,614
baseline
▲ 0.50% · 4.625%
HK$11,173
+HK$559/mo
Deposit HK$851K · loan HK$1.98M · min. income ≈ HK$21,228/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$11,637
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,999
−HK$368/mo
Today · 4.125%
HK$12,367
baseline
▲ 0.50% · 4.625%
HK$13,120
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,734/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$12,947
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,294
−HK$352/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,365
+HK$719/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,292/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).