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$6,451
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,652
−HK$204/mo
Today · 4.125%
HK$6,856
baseline
▲ 0.50% · 4.625%
HK$7,273
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,712/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$7,177
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,370
−HK$195/mo
Today · 4.125%
HK$7,565
baseline
▲ 0.50% · 4.625%
HK$7,964
+HK$399/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,130/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$7,742
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,983
−HK$244/mo
Today · 4.125%
HK$8,227
baseline
▲ 0.50% · 4.625%
HK$8,728
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,454/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$8,613
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,844
−HK$234/mo
Today · 4.125%
HK$9,078
baseline
▲ 0.50% · 4.625%
HK$9,556
+HK$478/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,156/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$9,032
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,313
−HK$285/mo
Today · 4.125%
HK$9,598
baseline
▲ 0.50% · 4.625%
HK$10,182
+HK$584/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,196/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,048
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,317
−HK$274/mo
Today · 4.125%
HK$10,591
baseline
▲ 0.50% · 4.625%
HK$11,149
+HK$558/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,182/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,613
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,974
−HK$367/mo
Today · 4.125%
HK$12,341
baseline
▲ 0.50% · 4.625%
HK$13,092
+HK$751/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,682/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$12,919
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$352/mo
Today · 4.125%
HK$13,617
baseline
▲ 0.50% · 4.625%
HK$14,335
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,234/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).