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$6,422
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,622
−HK$203/mo
Today · 4.125%
HK$6,825
baseline
▲ 0.50% · 4.625%
HK$7,240
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,650/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$7,145
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,336
−HK$195/mo
Today · 4.125%
HK$7,531
baseline
▲ 0.50% · 4.625%
HK$7,928
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,062/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$7,707
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,946
−HK$244/mo
Today · 4.125%
HK$8,190
baseline
▲ 0.50% · 4.625%
HK$8,688
+HK$498/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,380/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$8,574
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,804
−HK$233/mo
Today · 4.125%
HK$9,037
baseline
▲ 0.50% · 4.625%
HK$9,513
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,074/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$8,991
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,271
−HK$284/mo
Today · 4.125%
HK$9,555
baseline
▲ 0.50% · 4.625%
HK$10,136
+HK$581/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$19,110/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,003
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,271
−HK$272/mo
Today · 4.125%
HK$10,543
baseline
▲ 0.50% · 4.625%
HK$11,099
+HK$556/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$21,086/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,560
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,920
−HK$365/mo
Today · 4.125%
HK$12,285
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$748/mo
Deposit HK$282K · loan HK$2.53M · min. income ≈ HK$24,570/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$12,861
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$350/mo
Today · 4.125%
HK$13,555
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$715/mo
Deposit HK$282K · loan HK$2.53M · min. income ≈ HK$27,110/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).