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$6,416
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,616
−HK$203/mo
Today · 4.125%
HK$6,819
baseline
▲ 0.50% · 4.625%
HK$7,233
+HK$414/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,638/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$7,138
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,329
−HK$195/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,920
+HK$396/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,048/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$7,699
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,939
−HK$243/mo
Today · 4.125%
HK$8,182
baseline
▲ 0.50% · 4.625%
HK$8,680
+HK$498/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,364/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$8,566
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,795
−HK$233/mo
Today · 4.125%
HK$9,028
baseline
▲ 0.50% · 4.625%
HK$9,504
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,056/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$8,983
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,262
−HK$284/mo
Today · 4.125%
HK$9,546
baseline
▲ 0.50% · 4.625%
HK$10,127
+HK$581/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$19,092/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,993
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,261
−HK$272/mo
Today · 4.125%
HK$10,533
baseline
▲ 0.50% · 4.625%
HK$11,088
+HK$555/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$21,066/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,549
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,908
−HK$365/mo
Today · 4.125%
HK$12,273
baseline
▲ 0.50% · 4.625%
HK$13,020
+HK$747/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,546/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,848
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,193
−HK$350/mo
Today · 4.125%
HK$13,543
baseline
▲ 0.50% · 4.625%
HK$14,256
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,086/mo (50% DSR)
Upfront cash ≈ HK$281K (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).