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$6,423
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,623
−HK$203/mo
Today · 4.125%
HK$6,826
baseline
▲ 0.50% · 4.625%
HK$7,241
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,652/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$7,146
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,337
−HK$195/mo
Today · 4.125%
HK$7,532
baseline
▲ 0.50% · 4.625%
HK$7,929
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,064/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$7,708
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,948
−HK$243/mo
Today · 4.125%
HK$8,191
baseline
▲ 0.50% · 4.625%
HK$8,690
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,382/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$8,575
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,805
−HK$233/mo
Today · 4.125%
HK$9,038
baseline
▲ 0.50% · 4.625%
HK$9,515
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,076/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$8,992
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,272
−HK$284/mo
Today · 4.125%
HK$9,556
baseline
▲ 0.50% · 4.625%
HK$10,138
+HK$582/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$19,112/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$10,004
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,272
−HK$273/mo
Today · 4.125%
HK$10,545
baseline
▲ 0.50% · 4.625%
HK$11,100
+HK$555/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$21,090/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$11,562
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,921
−HK$366/mo
Today · 4.125%
HK$12,287
baseline
▲ 0.50% · 4.625%
HK$13,034
+HK$747/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,574/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$12,862
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,207
−HK$350/mo
Today · 4.125%
HK$13,557
baseline
▲ 0.50% · 4.625%
HK$14,272
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,114/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).