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$6,408
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,607
−HK$203/mo
Today · 4.125%
HK$6,810
baseline
▲ 0.50% · 4.625%
HK$7,224
+HK$414/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,620/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$7,129
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,320
−HK$194/mo
Today · 4.125%
HK$7,514
baseline
▲ 0.50% · 4.625%
HK$7,910
+HK$396/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,028/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$7,690
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,929
−HK$243/mo
Today · 4.125%
HK$8,172
baseline
▲ 0.50% · 4.625%
HK$8,669
+HK$497/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,344/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,555
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,784
−HK$233/mo
Today · 4.125%
HK$9,017
baseline
▲ 0.50% · 4.625%
HK$9,492
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,034/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,971
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,250
−HK$284/mo
Today · 4.125%
HK$9,534
baseline
▲ 0.50% · 4.625%
HK$10,114
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,068/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,981
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,248
−HK$272/mo
Today · 4.125%
HK$10,520
baseline
▲ 0.50% · 4.625%
HK$11,074
+HK$554/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,040/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,535
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,893
−HK$365/mo
Today · 4.125%
HK$12,258
baseline
▲ 0.50% · 4.625%
HK$13,004
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,516/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,832
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$349/mo
Today · 4.125%
HK$13,525
baseline
▲ 0.50% · 4.625%
HK$14,238
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,050/mo (50% DSR)
Upfront cash ≈ HK$281K (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).