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$403/mo
▼ 0.25% · 3.875%
HK$6,632
−HK$203/mo
Today · 4.125%
HK$6,835
baseline
▲ 0.50% · 4.625%
HK$7,251
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,670/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$7,155
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,347
−HK$195/mo
Today · 4.125%
HK$7,542
baseline
▲ 0.50% · 4.625%
HK$7,939
+HK$397/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$7,718
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,958
−HK$244/mo
Today · 4.125%
HK$8,202
baseline
▲ 0.50% · 4.625%
HK$8,701
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,404/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$8,586
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,816
−HK$234/mo
Today · 4.125%
HK$9,050
baseline
▲ 0.50% · 4.625%
HK$9,527
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,100/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$9,004
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,284
−HK$285/mo
Today · 4.125%
HK$9,569
baseline
▲ 0.50% · 4.625%
HK$10,151
+HK$582/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,138/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$10,017
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,286
−HK$272/mo
Today · 4.125%
HK$10,558
baseline
▲ 0.50% · 4.625%
HK$11,115
+HK$557/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,116/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$11,577
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$366/mo
Today · 4.125%
HK$12,303
baseline
▲ 0.50% · 4.625%
HK$13,052
+HK$749/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,606/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$12,879
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,225
−HK$350/mo
Today · 4.125%
HK$13,575
baseline
▲ 0.50% · 4.625%
HK$14,291
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,150/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).