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$6,419
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,619
−HK$203/mo
Today · 4.125%
HK$6,822
baseline
▲ 0.50% · 4.625%
HK$7,237
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,644/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$7,142
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,333
−HK$194/mo
Today · 4.125%
HK$7,527
baseline
▲ 0.50% · 4.625%
HK$7,924
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,054/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$7,703
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,943
−HK$243/mo
Today · 4.125%
HK$8,186
baseline
▲ 0.50% · 4.625%
HK$8,685
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,372/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$8,570
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,800
−HK$233/mo
Today · 4.125%
HK$9,033
baseline
▲ 0.50% · 4.625%
HK$9,509
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,066/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$8,987
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,267
−HK$284/mo
Today · 4.125%
HK$9,551
baseline
▲ 0.50% · 4.625%
HK$10,132
+HK$581/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$19,102/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$9,998
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,266
−HK$272/mo
Today · 4.125%
HK$10,538
baseline
▲ 0.50% · 4.625%
HK$11,094
+HK$556/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$21,076/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$11,555
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,914
−HK$366/mo
Today · 4.125%
HK$12,280
baseline
▲ 0.50% · 4.625%
HK$13,027
+HK$747/mo
Deposit HK$282K · loan HK$2.53M · min. income ≈ HK$24,560/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$12,855
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,200
−HK$349/mo
Today · 4.125%
HK$13,549
baseline
▲ 0.50% · 4.625%
HK$14,264
+HK$715/mo
Deposit HK$282K · loan HK$2.53M · min. income ≈ HK$27,098/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).