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$6,456
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,657
−HK$204/mo
Today · 4.125%
HK$6,861
baseline
▲ 0.50% · 4.625%
HK$7,279
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,722/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$7,183
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,375
−HK$196/mo
Today · 4.125%
HK$7,571
baseline
▲ 0.50% · 4.625%
HK$7,970
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,142/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$7,748
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,989
−HK$244/mo
Today · 4.125%
HK$8,233
baseline
▲ 0.50% · 4.625%
HK$8,734
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,466/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$8,619
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,850
−HK$235/mo
Today · 4.125%
HK$9,085
baseline
▲ 0.50% · 4.625%
HK$9,564
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,170/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$9,039
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,320
−HK$286/mo
Today · 4.125%
HK$9,606
baseline
▲ 0.50% · 4.625%
HK$10,190
+HK$584/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,212/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$10,056
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$274/mo
Today · 4.125%
HK$10,599
baseline
▲ 0.50% · 4.625%
HK$11,158
+HK$559/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,198/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$11,621
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,983
−HK$367/mo
Today · 4.125%
HK$12,350
baseline
▲ 0.50% · 4.625%
HK$13,102
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,700/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$12,929
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,275
−HK$352/mo
Today · 4.125%
HK$13,627
baseline
▲ 0.50% · 4.625%
HK$14,346
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,254/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).