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$6,429
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,629
−HK$203/mo
Today · 4.125%
HK$6,832
baseline
▲ 0.50% · 4.625%
HK$7,248
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,664/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$7,152
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,344
−HK$195/mo
Today · 4.125%
HK$7,539
baseline
▲ 0.50% · 4.625%
HK$7,936
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,078/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$7,715
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,955
−HK$244/mo
Today · 4.125%
HK$8,199
baseline
▲ 0.50% · 4.625%
HK$8,698
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,398/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$8,583
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,813
−HK$234/mo
Today · 4.125%
HK$9,047
baseline
▲ 0.50% · 4.625%
HK$9,523
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,094/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$9,001
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,281
−HK$284/mo
Today · 4.125%
HK$9,565
baseline
▲ 0.50% · 4.625%
HK$10,147
+HK$582/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,130/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$10,013
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,282
−HK$272/mo
Today · 4.125%
HK$10,554
baseline
▲ 0.50% · 4.625%
HK$11,111
+HK$557/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,108/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$11,573
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,932
−HK$366/mo
Today · 4.125%
HK$12,298
baseline
▲ 0.50% · 4.625%
HK$13,047
+HK$749/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,596/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$12,874
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,220
−HK$350/mo
Today · 4.125%
HK$13,570
baseline
▲ 0.50% · 4.625%
HK$14,285
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,140/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).