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$6,470
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,672
−HK$204/mo
Today · 4.125%
HK$6,876
baseline
▲ 0.50% · 4.625%
HK$7,294
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,752/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$7,198
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$196/mo
Today · 4.125%
HK$7,587
baseline
▲ 0.50% · 4.625%
HK$7,987
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,174/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$7,764
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,006
−HK$245/mo
Today · 4.125%
HK$8,251
baseline
▲ 0.50% · 4.625%
HK$8,753
+HK$502/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,502/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$8,638
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,869
−HK$235/mo
Today · 4.125%
HK$9,104
baseline
▲ 0.50% · 4.625%
HK$9,584
+HK$480/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,208/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$9,058
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,340
−HK$286/mo
Today · 4.125%
HK$9,626
baseline
▲ 0.50% · 4.625%
HK$10,212
+HK$586/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$19,252/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,077
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,348
−HK$274/mo
Today · 4.125%
HK$10,622
baseline
▲ 0.50% · 4.625%
HK$11,182
+HK$560/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$21,244/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,646
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,009
−HK$368/mo
Today · 4.125%
HK$12,377
baseline
▲ 0.50% · 4.625%
HK$13,130
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,754/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$12,957
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,304
−HK$353/mo
Today · 4.125%
HK$13,657
baseline
▲ 0.50% · 4.625%
HK$14,376
+HK$719/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,314/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).