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$6,472
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,673
−HK$204/mo
Today · 4.125%
HK$6,877
baseline
▲ 0.50% · 4.625%
HK$7,296
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,754/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$7,200
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,393
−HK$196/mo
Today · 4.125%
HK$7,589
baseline
▲ 0.50% · 4.625%
HK$7,989
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,178/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$7,766
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,007
−HK$246/mo
Today · 4.125%
HK$8,253
baseline
▲ 0.50% · 4.625%
HK$8,755
+HK$502/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,506/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$8,639
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,871
−HK$235/mo
Today · 4.125%
HK$9,106
baseline
▲ 0.50% · 4.625%
HK$9,586
+HK$480/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,212/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$9,060
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,342
−HK$286/mo
Today · 4.125%
HK$9,628
baseline
▲ 0.50% · 4.625%
HK$10,214
+HK$586/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$19,256/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,079
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,350
−HK$274/mo
Today · 4.125%
HK$10,624
baseline
▲ 0.50% · 4.625%
HK$11,184
+HK$560/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$21,248/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,649
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,011
−HK$368/mo
Today · 4.125%
HK$12,379
baseline
▲ 0.50% · 4.625%
HK$13,133
+HK$754/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,758/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$12,959
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,307
−HK$352/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,379
+HK$720/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,318/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).