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$6,474
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,676
−HK$204/mo
Today · 4.125%
HK$6,880
baseline
▲ 0.50% · 4.625%
HK$7,299
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,760/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,203
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,396
−HK$196/mo
Today · 4.125%
HK$7,592
baseline
▲ 0.50% · 4.625%
HK$7,992
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,184/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,769
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,011
−HK$245/mo
Today · 4.125%
HK$8,256
baseline
▲ 0.50% · 4.625%
HK$8,759
+HK$503/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,512/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,643
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,875
−HK$235/mo
Today · 4.125%
HK$9,110
baseline
▲ 0.50% · 4.625%
HK$9,590
+HK$480/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,220/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,064
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,346
−HK$286/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,219
+HK$587/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,264/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,084
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,354
−HK$274/mo
Today · 4.125%
HK$10,628
baseline
▲ 0.50% · 4.625%
HK$11,189
+HK$561/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,256/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,654
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,016
−HK$369/mo
Today · 4.125%
HK$12,385
baseline
▲ 0.50% · 4.625%
HK$13,138
+HK$753/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,770/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,965
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$353/mo
Today · 4.125%
HK$13,665
baseline
▲ 0.50% · 4.625%
HK$14,386
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,330/mo (50% DSR)
Upfront cash ≈ HK$284K (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).