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$6,481
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,683
−HK$204/mo
Today · 4.125%
HK$6,887
baseline
▲ 0.50% · 4.625%
HK$7,306
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,774/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$7,210
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,403
−HK$197/mo
Today · 4.125%
HK$7,600
baseline
▲ 0.50% · 4.625%
HK$8,000
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,200/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$7,777
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,019
−HK$246/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,768
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,530/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,652
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,884
−HK$235/mo
Today · 4.125%
HK$9,119
baseline
▲ 0.50% · 4.625%
HK$9,600
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,238/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,073
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,356
−HK$286/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,229
+HK$587/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$19,284/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,094
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,365
−HK$274/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,200
+HK$561/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$21,278/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,666
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,029
−HK$368/mo
Today · 4.125%
HK$12,397
baseline
▲ 0.50% · 4.625%
HK$13,152
+HK$755/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,794/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,978
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,326
−HK$353/mo
Today · 4.125%
HK$13,679
baseline
▲ 0.50% · 4.625%
HK$14,400
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,358/mo (50% DSR)
Upfront cash ≈ HK$284K (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).