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$6,432
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,632
−HK$204/mo
Today · 4.125%
HK$6,836
baseline
▲ 0.50% · 4.625%
HK$7,252
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,672/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$7,156
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,348
−HK$194/mo
Today · 4.125%
HK$7,542
baseline
▲ 0.50% · 4.625%
HK$7,940
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,084/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$7,719
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,959
−HK$244/mo
Today · 4.125%
HK$8,203
baseline
▲ 0.50% · 4.625%
HK$8,702
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,406/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$8,587
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,817
−HK$234/mo
Today · 4.125%
HK$9,051
baseline
▲ 0.50% · 4.625%
HK$9,528
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,102/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$9,005
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,285
−HK$285/mo
Today · 4.125%
HK$9,570
baseline
▲ 0.50% · 4.625%
HK$10,152
+HK$582/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,140/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,018
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$272/mo
Today · 4.125%
HK$10,559
baseline
▲ 0.50% · 4.625%
HK$11,116
+HK$557/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,118/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,578
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,938
−HK$366/mo
Today · 4.125%
HK$12,304
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$749/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,608/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$12,880
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,226
−HK$350/mo
Today · 4.125%
HK$13,576
baseline
▲ 0.50% · 4.625%
HK$14,292
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,152/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).