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$6,439
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,639
−HK$204/mo
Today · 4.125%
HK$6,843
baseline
▲ 0.50% · 4.625%
HK$7,259
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,686/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$7,163
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,356
−HK$194/mo
Today · 4.125%
HK$7,550
baseline
▲ 0.50% · 4.625%
HK$7,948
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,100/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$7,727
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,967
−HK$244/mo
Today · 4.125%
HK$8,211
baseline
▲ 0.50% · 4.625%
HK$8,711
+HK$500/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,422/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$8,596
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,827
−HK$234/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,538
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,122/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$9,015
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$285/mo
Today · 4.125%
HK$9,580
baseline
▲ 0.50% · 4.625%
HK$10,163
+HK$583/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$19,160/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,029
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,298
−HK$273/mo
Today · 4.125%
HK$10,571
baseline
▲ 0.50% · 4.625%
HK$11,128
+HK$557/mo
Deposit HK$847K · loan HK$1.98M · min. income ≈ HK$21,142/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,590
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,951
−HK$366/mo
Today · 4.125%
HK$12,317
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$750/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,634/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$12,894
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,240
−HK$351/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,307
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,182/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).