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$6,459
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,660
−HK$204/mo
Today · 4.125%
HK$6,864
baseline
▲ 0.50% · 4.625%
HK$7,282
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,728/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$7,185
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,378
−HK$196/mo
Today · 4.125%
HK$7,574
baseline
▲ 0.50% · 4.625%
HK$7,973
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,148/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$7,751
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,992
−HK$245/mo
Today · 4.125%
HK$8,237
baseline
▲ 0.50% · 4.625%
HK$8,738
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,474/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$8,623
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,854
−HK$234/mo
Today · 4.125%
HK$9,088
baseline
▲ 0.50% · 4.625%
HK$9,568
+HK$480/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,176/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$9,043
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,324
−HK$286/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$584/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,220/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$10,060
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$274/mo
Today · 4.125%
HK$10,603
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$559/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,206/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$11,626
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,988
−HK$367/mo
Today · 4.125%
HK$12,355
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,710/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$12,934
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,281
−HK$352/mo
Today · 4.125%
HK$13,633
baseline
▲ 0.50% · 4.625%
HK$14,351
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,266/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).