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$6,434
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,634
−HK$204/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$7,158
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,350
−HK$195/mo
Today · 4.125%
HK$7,545
baseline
▲ 0.50% · 4.625%
HK$7,942
+HK$397/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$7,721
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,961
−HK$244/mo
Today · 4.125%
HK$8,205
baseline
▲ 0.50% · 4.625%
HK$8,704
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,410/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$8,589
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,820
−HK$234/mo
Today · 4.125%
HK$9,054
baseline
▲ 0.50% · 4.625%
HK$9,531
+HK$477/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$9,008
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,288
−HK$285/mo
Today · 4.125%
HK$9,573
baseline
▲ 0.50% · 4.625%
HK$10,155
+HK$582/mo
Deposit HK$846K · loan HK$1.98M · min. income ≈ HK$19,146/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$10,021
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,290
−HK$272/mo
Today · 4.125%
HK$10,562
baseline
▲ 0.50% · 4.625%
HK$11,119
+HK$557/mo
Deposit HK$846K · loan HK$1.98M · min. income ≈ HK$21,124/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$11,581
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,942
−HK$366/mo
Today · 4.125%
HK$12,308
baseline
▲ 0.50% · 4.625%
HK$13,057
+HK$749/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,616/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$12,884
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,230
−HK$350/mo
Today · 4.125%
HK$13,580
baseline
▲ 0.50% · 4.625%
HK$14,296
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,160/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).