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$6,441
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,641
−HK$204/mo
Today · 4.125%
HK$6,845
baseline
▲ 0.50% · 4.625%
HK$7,261
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,690/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$7,165
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,358
−HK$195/mo
Today · 4.125%
HK$7,553
baseline
▲ 0.50% · 4.625%
HK$7,951
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,106/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$7,729
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,970
−HK$244/mo
Today · 4.125%
HK$8,214
baseline
▲ 0.50% · 4.625%
HK$8,714
+HK$500/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,428/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$8,599
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,829
−HK$234/mo
Today · 4.125%
HK$9,063
baseline
▲ 0.50% · 4.625%
HK$9,541
+HK$478/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,126/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$9,017
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,298
−HK$285/mo
Today · 4.125%
HK$9,583
baseline
▲ 0.50% · 4.625%
HK$10,166
+HK$583/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$19,166/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,032
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,301
−HK$273/mo
Today · 4.125%
HK$10,574
baseline
▲ 0.50% · 4.625%
HK$11,131
+HK$557/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$21,148/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,594
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,954
−HK$367/mo
Today · 4.125%
HK$12,321
baseline
▲ 0.50% · 4.625%
HK$13,070
+HK$749/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,642/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,898
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,244
−HK$351/mo
Today · 4.125%
HK$13,595
baseline
▲ 0.50% · 4.625%
HK$14,311
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,190/mo (50% DSR)
Upfront cash ≈ HK$283K (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).