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$6,430
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,630
−HK$203/mo
Today · 4.125%
HK$6,833
baseline
▲ 0.50% · 4.625%
HK$7,249
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,666/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$7,153
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,345
−HK$195/mo
Today · 4.125%
HK$7,540
baseline
▲ 0.50% · 4.625%
HK$7,937
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,080/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$7,716
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,956
−HK$244/mo
Today · 4.125%
HK$8,200
baseline
▲ 0.50% · 4.625%
HK$8,699
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,400/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$8,584
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,814
−HK$234/mo
Today · 4.125%
HK$9,048
baseline
▲ 0.50% · 4.625%
HK$9,525
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,096/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$9,002
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,282
−HK$284/mo
Today · 4.125%
HK$9,566
baseline
▲ 0.50% · 4.625%
HK$10,149
+HK$583/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,132/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,015
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,283
−HK$273/mo
Today · 4.125%
HK$10,556
baseline
▲ 0.50% · 4.625%
HK$11,112
+HK$556/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,112/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,574
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,934
−HK$366/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$13,048
+HK$748/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,600/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$12,876
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,221
−HK$351/mo
Today · 4.125%
HK$13,572
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,144/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).