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$6,485
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$205/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,311
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,784/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,215
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$197/mo
Today · 4.125%
HK$7,605
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,210/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,782
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,024
−HK$246/mo
Today · 4.125%
HK$8,270
baseline
▲ 0.50% · 4.625%
HK$8,774
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,540/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,658
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,890
−HK$235/mo
Today · 4.125%
HK$9,125
baseline
▲ 0.50% · 4.625%
HK$9,606
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,250/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,079
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$287/mo
Today · 4.125%
HK$9,649
baseline
▲ 0.50% · 4.625%
HK$10,236
+HK$587/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$19,298/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,101
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,372
−HK$274/mo
Today · 4.125%
HK$10,646
baseline
▲ 0.50% · 4.625%
HK$11,208
+HK$562/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$21,292/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,673
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,036
−HK$369/mo
Today · 4.125%
HK$12,405
baseline
▲ 0.50% · 4.625%
HK$13,160
+HK$755/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,810/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,987
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,335
−HK$353/mo
Today · 4.125%
HK$13,688
baseline
▲ 0.50% · 4.625%
HK$14,410
+HK$722/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,376/mo (50% DSR)
Upfront cash ≈ HK$285K (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).