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$6,471
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,672
−HK$204/mo
Today · 4.125%
HK$6,876
baseline
▲ 0.50% · 4.625%
HK$7,295
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,752/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$7,199
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,392
−HK$196/mo
Today · 4.125%
HK$7,588
baseline
▲ 0.50% · 4.625%
HK$7,987
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,176/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$7,765
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,006
−HK$246/mo
Today · 4.125%
HK$8,252
baseline
▲ 0.50% · 4.625%
HK$8,754
+HK$502/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,504/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$8,638
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,870
−HK$235/mo
Today · 4.125%
HK$9,105
baseline
▲ 0.50% · 4.625%
HK$9,585
+HK$480/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,210/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$9,059
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,341
−HK$286/mo
Today · 4.125%
HK$9,627
baseline
▲ 0.50% · 4.625%
HK$10,213
+HK$586/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$19,254/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$10,078
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,348
−HK$275/mo
Today · 4.125%
HK$10,623
baseline
▲ 0.50% · 4.625%
HK$11,182
+HK$559/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$21,246/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$11,647
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,010
−HK$368/mo
Today · 4.125%
HK$12,378
baseline
▲ 0.50% · 4.625%
HK$13,131
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,756/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$12,957
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$353/mo
Today · 4.125%
HK$13,658
baseline
▲ 0.50% · 4.625%
HK$14,377
+HK$719/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,316/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).