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$6,476
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,677
−HK$205/mo
Today · 4.125%
HK$6,882
baseline
▲ 0.50% · 4.625%
HK$7,301
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,764/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$390/mo
▼ 0.25% · 3.875%
HK$7,398
−HK$196/mo
Today · 4.125%
HK$7,594
baseline
▲ 0.50% · 4.625%
HK$7,994
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,188/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$7,771
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,013
−HK$245/mo
Today · 4.125%
HK$8,258
baseline
▲ 0.50% · 4.625%
HK$8,761
+HK$503/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,516/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$8,645
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,877
−HK$235/mo
Today · 4.125%
HK$9,112
baseline
▲ 0.50% · 4.625%
HK$9,593
+HK$481/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,224/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$9,066
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,348
−HK$287/mo
Today · 4.125%
HK$9,635
baseline
▲ 0.50% · 4.625%
HK$10,221
+HK$586/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,270/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$10,086
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$274/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,191
+HK$560/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,262/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$11,657
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$369/mo
Today · 4.125%
HK$12,388
baseline
▲ 0.50% · 4.625%
HK$13,141
+HK$753/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,776/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$12,968
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$352/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,389
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,336/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).