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$6,467
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,668
−HK$205/mo
Today · 4.125%
HK$6,873
baseline
▲ 0.50% · 4.625%
HK$7,291
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,746/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$7,194
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,387
−HK$196/mo
Today · 4.125%
HK$7,583
baseline
▲ 0.50% · 4.625%
HK$7,983
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,166/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$7,760
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,002
−HK$245/mo
Today · 4.125%
HK$8,247
baseline
▲ 0.50% · 4.625%
HK$8,749
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,494/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$8,633
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,865
−HK$235/mo
Today · 4.125%
HK$9,100
baseline
▲ 0.50% · 4.625%
HK$9,579
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,200/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$9,054
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,335
−HK$287/mo
Today · 4.125%
HK$9,622
baseline
▲ 0.50% · 4.625%
HK$10,207
+HK$585/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$19,244/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,072
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,342
−HK$274/mo
Today · 4.125%
HK$10,616
baseline
▲ 0.50% · 4.625%
HK$11,176
+HK$560/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$21,232/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,641
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,003
−HK$368/mo
Today · 4.125%
HK$12,371
baseline
▲ 0.50% · 4.625%
HK$13,123
+HK$752/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,742/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$12,950
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,297
−HK$353/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,369
+HK$719/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,300/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).