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$6,473
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,675
−HK$204/mo
Today · 4.125%
HK$6,879
baseline
▲ 0.50% · 4.625%
HK$7,298
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,758/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$7,202
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,395
−HK$196/mo
Today · 4.125%
HK$7,591
baseline
▲ 0.50% · 4.625%
HK$7,991
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,182/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$7,768
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,010
−HK$245/mo
Today · 4.125%
HK$8,255
baseline
▲ 0.50% · 4.625%
HK$8,757
+HK$502/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,510/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$8,642
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,874
−HK$235/mo
Today · 4.125%
HK$9,109
baseline
▲ 0.50% · 4.625%
HK$9,589
+HK$480/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,218/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$9,063
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$286/mo
Today · 4.125%
HK$9,631
baseline
▲ 0.50% · 4.625%
HK$10,217
+HK$586/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,262/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$10,082
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$274/mo
Today · 4.125%
HK$10,627
baseline
▲ 0.50% · 4.625%
HK$11,187
+HK$560/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,254/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$11,652
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,014
−HK$369/mo
Today · 4.125%
HK$12,383
baseline
▲ 0.50% · 4.625%
HK$13,136
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,766/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$12,963
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,310
−HK$353/mo
Today · 4.125%
HK$13,663
baseline
▲ 0.50% · 4.625%
HK$14,383
+HK$720/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,326/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).