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$6,427
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,627
−HK$203/mo
Today · 4.125%
HK$6,830
baseline
▲ 0.50% · 4.625%
HK$7,245
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,660/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$7,150
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,341
−HK$195/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,933
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,072/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$7,712
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,952
−HK$244/mo
Today · 4.125%
HK$8,196
baseline
▲ 0.50% · 4.625%
HK$8,694
+HK$498/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,392/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$8,580
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,810
−HK$233/mo
Today · 4.125%
HK$9,043
baseline
▲ 0.50% · 4.625%
HK$9,520
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,086/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$8,998
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$285/mo
Today · 4.125%
HK$9,562
baseline
▲ 0.50% · 4.625%
HK$10,144
+HK$582/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,124/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,010
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,278
−HK$272/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,107
+HK$557/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,100/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,568
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,928
−HK$366/mo
Today · 4.125%
HK$12,294
baseline
▲ 0.50% · 4.625%
HK$13,042
+HK$748/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,588/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$12,870
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,215
−HK$350/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,280
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,130/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).