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$6,424
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,624
−HK$203/mo
Today · 4.125%
HK$6,827
baseline
▲ 0.50% · 4.625%
HK$7,242
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,654/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$7,147
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,339
−HK$194/mo
Today · 4.125%
HK$7,533
baseline
▲ 0.50% · 4.625%
HK$7,930
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,066/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$7,709
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,949
−HK$243/mo
Today · 4.125%
HK$8,192
baseline
▲ 0.50% · 4.625%
HK$8,691
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,384/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$8,576
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,806
−HK$234/mo
Today · 4.125%
HK$9,040
baseline
▲ 0.50% · 4.625%
HK$9,516
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,080/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$8,994
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,274
−HK$284/mo
Today · 4.125%
HK$9,558
baseline
▲ 0.50% · 4.625%
HK$10,139
+HK$581/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$19,116/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$10,006
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,274
−HK$272/mo
Today · 4.125%
HK$10,546
baseline
▲ 0.50% · 4.625%
HK$11,102
+HK$556/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$21,092/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$11,564
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,923
−HK$366/mo
Today · 4.125%
HK$12,289
baseline
▲ 0.50% · 4.625%
HK$13,036
+HK$747/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,578/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$12,864
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,209
−HK$350/mo
Today · 4.125%
HK$13,559
baseline
▲ 0.50% · 4.625%
HK$14,274
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,118/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).