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$6,412
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,612
−HK$202/mo
Today · 4.125%
HK$6,814
baseline
▲ 0.50% · 4.625%
HK$7,229
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,628/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$7,134
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,325
−HK$194/mo
Today · 4.125%
HK$7,519
baseline
▲ 0.50% · 4.625%
HK$7,915
+HK$396/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,038/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$7,695
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,934
−HK$243/mo
Today · 4.125%
HK$8,177
baseline
▲ 0.50% · 4.625%
HK$8,675
+HK$498/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,354/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,560
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,790
−HK$233/mo
Today · 4.125%
HK$9,023
baseline
▲ 0.50% · 4.625%
HK$9,498
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,046/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,977
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$284/mo
Today · 4.125%
HK$9,540
baseline
▲ 0.50% · 4.625%
HK$10,121
+HK$581/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$19,080/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$9,987
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$272/mo
Today · 4.125%
HK$10,527
baseline
▲ 0.50% · 4.625%
HK$11,081
+HK$554/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$21,054/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$11,542
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$365/mo
Today · 4.125%
HK$12,266
baseline
▲ 0.50% · 4.625%
HK$13,012
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,532/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$12,840
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,185
−HK$349/mo
Today · 4.125%
HK$13,534
baseline
▲ 0.50% · 4.625%
HK$14,248
+HK$714/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,068/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).