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$6,458
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,659
−HK$204/mo
Today · 4.125%
HK$6,863
baseline
▲ 0.50% · 4.625%
HK$7,281
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,726/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$7,185
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,377
−HK$196/mo
Today · 4.125%
HK$7,573
baseline
▲ 0.50% · 4.625%
HK$7,972
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,146/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$7,750
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,991
−HK$245/mo
Today · 4.125%
HK$8,236
baseline
▲ 0.50% · 4.625%
HK$8,737
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,472/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$8,621
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,853
−HK$234/mo
Today · 4.125%
HK$9,087
baseline
▲ 0.50% · 4.625%
HK$9,566
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,174/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$9,041
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,323
−HK$285/mo
Today · 4.125%
HK$9,608
baseline
▲ 0.50% · 4.625%
HK$10,193
+HK$585/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,216/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$10,058
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,328
−HK$274/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,161
+HK$559/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,204/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$11,625
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,986
−HK$367/mo
Today · 4.125%
HK$12,353
baseline
▲ 0.50% · 4.625%
HK$13,105
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,706/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$12,932
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,279
−HK$352/mo
Today · 4.125%
HK$13,631
baseline
▲ 0.50% · 4.625%
HK$14,349
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,262/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).