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$6,446
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,647
−HK$204/mo
Today · 4.125%
HK$6,851
baseline
▲ 0.50% · 4.625%
HK$7,267
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,702/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$7,171
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,364
−HK$195/mo
Today · 4.125%
HK$7,559
baseline
▲ 0.50% · 4.625%
HK$7,957
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,118/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$7,736
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,976
−HK$245/mo
Today · 4.125%
HK$8,221
baseline
▲ 0.50% · 4.625%
HK$8,721
+HK$500/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,442/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$8,606
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,837
−HK$234/mo
Today · 4.125%
HK$9,071
baseline
▲ 0.50% · 4.625%
HK$9,549
+HK$478/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,142/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$9,025
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$285/mo
Today · 4.125%
HK$9,591
baseline
▲ 0.50% · 4.625%
HK$10,174
+HK$583/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$19,182/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,040
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,309
−HK$273/mo
Today · 4.125%
HK$10,582
baseline
▲ 0.50% · 4.625%
HK$11,140
+HK$558/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$21,164/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,603
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$367/mo
Today · 4.125%
HK$12,331
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$750/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$24,662/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,909
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$351/mo
Today · 4.125%
HK$13,606
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$717/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$27,212/mo (50% DSR)
Upfront cash ≈ HK$283K (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).