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$6,435
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,635
−HK$203/mo
Today · 4.125%
HK$6,838
baseline
▲ 0.50% · 4.625%
HK$7,254
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,676/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,159
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,351
−HK$194/mo
Today · 4.125%
HK$7,545
baseline
▲ 0.50% · 4.625%
HK$7,943
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,090/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,722
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,962
−HK$244/mo
Today · 4.125%
HK$8,206
baseline
▲ 0.50% · 4.625%
HK$8,705
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,412/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$8,590
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,821
−HK$233/mo
Today · 4.125%
HK$9,054
baseline
▲ 0.50% · 4.625%
HK$9,532
+HK$478/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,108/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$9,009
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,289
−HK$285/mo
Today · 4.125%
HK$9,574
baseline
▲ 0.50% · 4.625%
HK$10,156
+HK$582/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$19,148/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,022
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,291
−HK$273/mo
Today · 4.125%
HK$10,564
baseline
▲ 0.50% · 4.625%
HK$11,120
+HK$556/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$21,128/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,583
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,943
−HK$366/mo
Today · 4.125%
HK$12,309
baseline
▲ 0.50% · 4.625%
HK$13,058
+HK$749/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,618/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,886
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,231
−HK$351/mo
Today · 4.125%
HK$13,582
baseline
▲ 0.50% · 4.625%
HK$14,298
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,164/mo (50% DSR)
Upfront cash ≈ HK$282K (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).