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$6,540
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,744
−HK$206/mo
Today · 4.125%
HK$6,950
baseline
▲ 0.50% · 4.625%
HK$7,373
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,900/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,276
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,471
−HK$198/mo
Today · 4.125%
HK$7,669
baseline
▲ 0.50% · 4.625%
HK$8,073
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,338/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,848
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,092
−HK$248/mo
Today · 4.125%
HK$8,340
baseline
▲ 0.50% · 4.625%
HK$8,848
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,680/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,731
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$238/mo
Today · 4.125%
HK$9,203
baseline
▲ 0.50% · 4.625%
HK$9,688
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,406/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,156
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$290/mo
Today · 4.125%
HK$9,731
baseline
▲ 0.50% · 4.625%
HK$10,323
+HK$592/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$19,462/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,186
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,460
−HK$277/mo
Today · 4.125%
HK$10,737
baseline
▲ 0.50% · 4.625%
HK$11,303
+HK$566/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$21,474/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,772
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,139
−HK$372/mo
Today · 4.125%
HK$12,511
baseline
▲ 0.50% · 4.625%
HK$13,272
+HK$761/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,022/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,097
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,448
−HK$356/mo
Today · 4.125%
HK$13,804
baseline
▲ 0.50% · 4.625%
HK$14,532
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,608/mo (50% DSR)
Upfront cash ≈ HK$287K (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).