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$6,438
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,638
−HK$203/mo
Today · 4.125%
HK$6,841
baseline
▲ 0.50% · 4.625%
HK$7,258
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,682/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$7,162
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,354
−HK$195/mo
Today · 4.125%
HK$7,549
baseline
▲ 0.50% · 4.625%
HK$7,947
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,098/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$7,725
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,965
−HK$244/mo
Today · 4.125%
HK$8,209
baseline
▲ 0.50% · 4.625%
HK$8,709
+HK$500/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,418/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$8,594
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,825
−HK$233/mo
Today · 4.125%
HK$9,058
baseline
▲ 0.50% · 4.625%
HK$9,536
+HK$478/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,116/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$9,013
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,293
−HK$285/mo
Today · 4.125%
HK$9,578
baseline
▲ 0.50% · 4.625%
HK$10,161
+HK$583/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$19,156/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$10,026
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$273/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,125
+HK$557/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$21,136/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$11,588
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,948
−HK$366/mo
Today · 4.125%
HK$12,314
baseline
▲ 0.50% · 4.625%
HK$13,064
+HK$750/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,628/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$12,891
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,237
−HK$351/mo
Today · 4.125%
HK$13,588
baseline
▲ 0.50% · 4.625%
HK$14,304
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,176/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).