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$6,410
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,609
−HK$203/mo
Today · 4.125%
HK$6,812
baseline
▲ 0.50% · 4.625%
HK$7,226
+HK$414/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,624/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$7,131
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,322
−HK$194/mo
Today · 4.125%
HK$7,516
baseline
▲ 0.50% · 4.625%
HK$7,912
+HK$396/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,032/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$7,692
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,931
−HK$243/mo
Today · 4.125%
HK$8,174
baseline
▲ 0.50% · 4.625%
HK$8,672
+HK$498/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,348/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$8,557
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,787
−HK$232/mo
Today · 4.125%
HK$9,019
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$476/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,038/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$8,974
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,253
−HK$284/mo
Today · 4.125%
HK$9,537
baseline
▲ 0.50% · 4.625%
HK$10,117
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,074/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$9,983
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,251
−HK$272/mo
Today · 4.125%
HK$10,523
baseline
▲ 0.50% · 4.625%
HK$11,077
+HK$554/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,046/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$11,538
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,897
−HK$364/mo
Today · 4.125%
HK$12,261
baseline
▲ 0.50% · 4.625%
HK$13,007
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,522/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$12,836
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,180
−HK$349/mo
Today · 4.125%
HK$13,529
baseline
▲ 0.50% · 4.625%
HK$14,242
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,058/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).