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$6,416
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,615
−HK$203/mo
Today · 4.125%
HK$6,818
baseline
▲ 0.50% · 4.625%
HK$7,233
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,636/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$7,137
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,329
−HK$194/mo
Today · 4.125%
HK$7,523
baseline
▲ 0.50% · 4.625%
HK$7,920
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,046/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$7,699
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$244/mo
Today · 4.125%
HK$8,182
baseline
▲ 0.50% · 4.625%
HK$8,679
+HK$497/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,364/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$8,565
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,795
−HK$233/mo
Today · 4.125%
HK$9,028
baseline
▲ 0.50% · 4.625%
HK$9,503
+HK$475/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,056/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$8,982
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,261
−HK$284/mo
Today · 4.125%
HK$9,545
baseline
▲ 0.50% · 4.625%
HK$10,126
+HK$581/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$19,090/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,992
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,260
−HK$272/mo
Today · 4.125%
HK$10,532
baseline
▲ 0.50% · 4.625%
HK$11,087
+HK$555/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$21,064/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,548
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,907
−HK$365/mo
Today · 4.125%
HK$12,272
baseline
▲ 0.50% · 4.625%
HK$13,019
+HK$747/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,544/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$12,847
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,192
−HK$349/mo
Today · 4.125%
HK$13,541
baseline
▲ 0.50% · 4.625%
HK$14,255
+HK$714/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,082/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).