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$6,458
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,659
−HK$204/mo
Today · 4.125%
HK$6,863
baseline
▲ 0.50% · 4.625%
HK$7,280
+HK$417/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,726/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$7,184
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,377
−HK$195/mo
Today · 4.125%
HK$7,572
baseline
▲ 0.50% · 4.625%
HK$7,972
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,144/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$7,749
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,990
−HK$245/mo
Today · 4.125%
HK$8,235
baseline
▲ 0.50% · 4.625%
HK$8,736
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,470/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$8,621
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,852
−HK$235/mo
Today · 4.125%
HK$9,087
baseline
▲ 0.50% · 4.625%
HK$9,566
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,174/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$9,041
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,322
−HK$286/mo
Today · 4.125%
HK$9,608
baseline
▲ 0.50% · 4.625%
HK$10,192
+HK$584/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,216/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,058
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,328
−HK$273/mo
Today · 4.125%
HK$10,601
baseline
▲ 0.50% · 4.625%
HK$11,160
+HK$559/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,202/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,624
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,986
−HK$367/mo
Today · 4.125%
HK$12,353
baseline
▲ 0.50% · 4.625%
HK$13,105
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,706/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,932
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,278
−HK$352/mo
Today · 4.125%
HK$13,630
baseline
▲ 0.50% · 4.625%
HK$14,349
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,260/mo (50% DSR)
Upfront cash ≈ HK$283K (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).