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$6,463
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,664
−HK$204/mo
Today · 4.125%
HK$6,868
baseline
▲ 0.50% · 4.625%
HK$7,286
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,736/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$7,190
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,382
−HK$196/mo
Today · 4.125%
HK$7,578
baseline
▲ 0.50% · 4.625%
HK$7,978
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,156/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$7,755
−HK$487/mo
▼ 0.25% · 3.875%
HK$7,996
−HK$246/mo
Today · 4.125%
HK$8,242
baseline
▲ 0.50% · 4.625%
HK$8,743
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,484/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$8,628
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$235/mo
Today · 4.125%
HK$9,094
baseline
▲ 0.50% · 4.625%
HK$9,573
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,188/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$9,048
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,329
−HK$286/mo
Today · 4.125%
HK$9,615
baseline
▲ 0.50% · 4.625%
HK$10,200
+HK$585/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,230/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,066
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,335
−HK$274/mo
Today · 4.125%
HK$10,609
baseline
▲ 0.50% · 4.625%
HK$11,169
+HK$560/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,218/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,633
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,995
−HK$367/mo
Today · 4.125%
HK$12,362
baseline
▲ 0.50% · 4.625%
HK$13,115
+HK$753/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,724/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,941
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,288
−HK$353/mo
Today · 4.125%
HK$13,641
baseline
▲ 0.50% · 4.625%
HK$14,360
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,282/mo (50% DSR)
Upfront cash ≈ HK$284K (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).