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$6,469
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,670
−HK$205/mo
Today · 4.125%
HK$6,875
baseline
▲ 0.50% · 4.625%
HK$7,293
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,750/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$7,197
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,390
−HK$195/mo
Today · 4.125%
HK$7,585
baseline
▲ 0.50% · 4.625%
HK$7,985
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,170/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$7,763
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,004
−HK$246/mo
Today · 4.125%
HK$8,250
baseline
▲ 0.50% · 4.625%
HK$8,752
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,500/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$8,636
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,868
−HK$235/mo
Today · 4.125%
HK$9,103
baseline
▲ 0.50% · 4.625%
HK$9,582
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,206/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$9,057
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,338
−HK$286/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,210
+HK$586/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$19,248/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$10,075
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$274/mo
Today · 4.125%
HK$10,620
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$559/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$21,240/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$11,644
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,006
−HK$368/mo
Today · 4.125%
HK$12,374
baseline
▲ 0.50% · 4.625%
HK$13,127
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,748/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$12,954
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,301
−HK$353/mo
Today · 4.125%
HK$13,654
baseline
▲ 0.50% · 4.625%
HK$14,374
+HK$720/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,308/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).