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$6,472
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,674
−HK$204/mo
Today · 4.125%
HK$6,878
baseline
▲ 0.50% · 4.625%
HK$7,297
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,756/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$7,200
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,393
−HK$196/mo
Today · 4.125%
HK$7,589
baseline
▲ 0.50% · 4.625%
HK$7,989
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,178/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$7,767
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$246/mo
Today · 4.125%
HK$8,254
baseline
▲ 0.50% · 4.625%
HK$8,756
+HK$502/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,508/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$8,640
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,872
−HK$235/mo
Today · 4.125%
HK$9,107
baseline
▲ 0.50% · 4.625%
HK$9,587
+HK$480/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,214/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$9,061
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,343
−HK$286/mo
Today · 4.125%
HK$9,629
baseline
▲ 0.50% · 4.625%
HK$10,215
+HK$586/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,258/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,080
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$274/mo
Today · 4.125%
HK$10,625
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$560/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,250/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,650
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,012
−HK$368/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,134
+HK$754/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,760/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$12,960
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,308
−HK$353/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,381
+HK$720/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,322/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).