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$6,425
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,625
−HK$203/mo
Today · 4.125%
HK$6,828
baseline
▲ 0.50% · 4.625%
HK$7,243
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,656/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,148
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,339
−HK$195/mo
Today · 4.125%
HK$7,534
baseline
▲ 0.50% · 4.625%
HK$7,931
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,068/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,710
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,950
−HK$243/mo
Today · 4.125%
HK$8,193
baseline
▲ 0.50% · 4.625%
HK$8,692
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,386/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$8,577
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,807
−HK$234/mo
Today · 4.125%
HK$9,041
baseline
▲ 0.50% · 4.625%
HK$9,517
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,082/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$8,995
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,275
−HK$284/mo
Today · 4.125%
HK$9,559
baseline
▲ 0.50% · 4.625%
HK$10,141
+HK$582/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$19,118/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,007
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,275
−HK$272/mo
Today · 4.125%
HK$10,547
baseline
▲ 0.50% · 4.625%
HK$11,103
+HK$556/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$21,094/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,565
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,925
−HK$365/mo
Today · 4.125%
HK$12,290
baseline
▲ 0.50% · 4.625%
HK$13,038
+HK$748/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,580/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,866
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,211
−HK$350/mo
Today · 4.125%
HK$13,561
baseline
▲ 0.50% · 4.625%
HK$14,276
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,122/mo (50% DSR)
Upfront cash ≈ HK$282K (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).