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$6,414
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,614
−HK$202/mo
Today · 4.125%
HK$6,816
baseline
▲ 0.50% · 4.625%
HK$7,231
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,632/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$7,136
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,327
−HK$194/mo
Today · 4.125%
HK$7,521
baseline
▲ 0.50% · 4.625%
HK$7,918
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,042/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$7,697
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,936
−HK$244/mo
Today · 4.125%
HK$8,180
baseline
▲ 0.50% · 4.625%
HK$8,677
+HK$497/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,360/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$8,563
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,792
−HK$233/mo
Today · 4.125%
HK$9,025
baseline
▲ 0.50% · 4.625%
HK$9,501
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,050/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$8,980
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,259
−HK$284/mo
Today · 4.125%
HK$9,543
baseline
▲ 0.50% · 4.625%
HK$10,124
+HK$581/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$19,086/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,990
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,258
−HK$272/mo
Today · 4.125%
HK$10,530
baseline
▲ 0.50% · 4.625%
HK$11,085
+HK$555/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$21,060/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,545
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,905
−HK$364/mo
Today · 4.125%
HK$12,269
baseline
▲ 0.50% · 4.625%
HK$13,016
+HK$747/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,538/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,844
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,189
−HK$349/mo
Today · 4.125%
HK$13,538
baseline
▲ 0.50% · 4.625%
HK$14,252
+HK$714/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,076/mo (50% DSR)
Upfront cash ≈ HK$281K (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).