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$6,482
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,684
−HK$205/mo
Today · 4.125%
HK$6,889
baseline
▲ 0.50% · 4.625%
HK$7,308
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,778/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$7,212
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,405
−HK$196/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,002
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,202/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$7,779
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,021
−HK$246/mo
Today · 4.125%
HK$8,267
baseline
▲ 0.50% · 4.625%
HK$8,770
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,534/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$8,654
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,886
−HK$235/mo
Today · 4.125%
HK$9,121
baseline
▲ 0.50% · 4.625%
HK$9,602
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,242/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$9,075
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,358
−HK$286/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,231
+HK$587/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$19,288/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,096
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,367
−HK$275/mo
Today · 4.125%
HK$10,642
baseline
▲ 0.50% · 4.625%
HK$11,203
+HK$561/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$21,284/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,668
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,031
−HK$369/mo
Today · 4.125%
HK$12,400
baseline
▲ 0.50% · 4.625%
HK$13,155
+HK$755/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,800/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$12,981
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,329
−HK$353/mo
Today · 4.125%
HK$13,682
baseline
▲ 0.50% · 4.625%
HK$14,403
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,364/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).