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$6,475
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,677
−HK$204/mo
Today · 4.125%
HK$6,881
baseline
▲ 0.50% · 4.625%
HK$7,300
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,762/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$7,204
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,397
−HK$196/mo
Today · 4.125%
HK$7,593
baseline
▲ 0.50% · 4.625%
HK$7,993
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,186/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$7,770
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,012
−HK$245/mo
Today · 4.125%
HK$8,257
baseline
▲ 0.50% · 4.625%
HK$8,760
+HK$503/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,514/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$8,644
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,876
−HK$235/mo
Today · 4.125%
HK$9,111
baseline
▲ 0.50% · 4.625%
HK$9,592
+HK$481/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,222/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$9,065
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,347
−HK$287/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,220
+HK$586/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,268/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$10,085
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,355
−HK$275/mo
Today · 4.125%
HK$10,630
baseline
▲ 0.50% · 4.625%
HK$11,190
+HK$560/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,260/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$11,655
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,018
−HK$368/mo
Today · 4.125%
HK$12,386
baseline
▲ 0.50% · 4.625%
HK$13,140
+HK$754/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,772/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$12,966
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,314
−HK$353/mo
Today · 4.125%
HK$13,667
baseline
▲ 0.50% · 4.625%
HK$14,387
+HK$720/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,334/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).