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$6,541
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,744
−HK$207/mo
Today · 4.125%
HK$6,951
baseline
▲ 0.50% · 4.625%
HK$7,374
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,902/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,276
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,471
−HK$198/mo
Today · 4.125%
HK$7,669
baseline
▲ 0.50% · 4.625%
HK$8,074
+HK$405/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,338/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,849
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,093
−HK$248/mo
Today · 4.125%
HK$8,341
baseline
▲ 0.50% · 4.625%
HK$8,848
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,682/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,732
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,966
−HK$237/mo
Today · 4.125%
HK$9,203
baseline
▲ 0.50% · 4.625%
HK$9,688
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,406/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,157
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,442
−HK$289/mo
Today · 4.125%
HK$9,731
baseline
▲ 0.50% · 4.625%
HK$10,323
+HK$592/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$19,462/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,187
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,460
−HK$277/mo
Today · 4.125%
HK$10,737
baseline
▲ 0.50% · 4.625%
HK$11,303
+HK$566/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$21,474/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,773
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,139
−HK$372/mo
Today · 4.125%
HK$12,511
baseline
▲ 0.50% · 4.625%
HK$13,273
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,022/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,097
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,449
−HK$356/mo
Today · 4.125%
HK$13,805
baseline
▲ 0.50% · 4.625%
HK$14,533
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,610/mo (50% DSR)
Upfront cash ≈ HK$287K (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).