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$6,462
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,663
−HK$204/mo
Today · 4.125%
HK$6,867
baseline
▲ 0.50% · 4.625%
HK$7,285
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,734/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$7,189
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,382
−HK$196/mo
Today · 4.125%
HK$7,578
baseline
▲ 0.50% · 4.625%
HK$7,977
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,156/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$7,755
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,996
−HK$245/mo
Today · 4.125%
HK$8,241
baseline
▲ 0.50% · 4.625%
HK$8,742
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,482/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$8,627
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,858
−HK$235/mo
Today · 4.125%
HK$9,093
baseline
▲ 0.50% · 4.625%
HK$9,572
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,186/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$9,047
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,328
−HK$286/mo
Today · 4.125%
HK$9,614
baseline
▲ 0.50% · 4.625%
HK$10,199
+HK$585/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,228/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$10,065
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,335
−HK$274/mo
Today · 4.125%
HK$10,609
baseline
▲ 0.50% · 4.625%
HK$11,168
+HK$559/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,218/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$11,632
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,994
−HK$367/mo
Today · 4.125%
HK$12,361
baseline
▲ 0.50% · 4.625%
HK$13,114
+HK$753/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,722/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$12,940
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,287
−HK$353/mo
Today · 4.125%
HK$13,640
baseline
▲ 0.50% · 4.625%
HK$14,358
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,280/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).