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$6,460
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,661
−HK$204/mo
Today · 4.125%
HK$6,865
baseline
▲ 0.50% · 4.625%
HK$7,283
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,730/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$7,187
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,380
−HK$195/mo
Today · 4.125%
HK$7,575
baseline
▲ 0.50% · 4.625%
HK$7,974
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,150/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$7,752
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,993
−HK$245/mo
Today · 4.125%
HK$8,238
baseline
▲ 0.50% · 4.625%
HK$8,740
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,476/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$8,624
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$235/mo
Today · 4.125%
HK$9,090
baseline
▲ 0.50% · 4.625%
HK$9,569
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,180/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$9,044
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,326
−HK$285/mo
Today · 4.125%
HK$9,611
baseline
▲ 0.50% · 4.625%
HK$10,196
+HK$585/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,222/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,062
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,331
−HK$274/mo
Today · 4.125%
HK$10,605
baseline
▲ 0.50% · 4.625%
HK$11,164
+HK$559/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,210/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,628
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,990
−HK$367/mo
Today · 4.125%
HK$12,357
baseline
▲ 0.50% · 4.625%
HK$13,109
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,714/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,936
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,283
−HK$352/mo
Today · 4.125%
HK$13,635
baseline
▲ 0.50% · 4.625%
HK$14,354
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,270/mo (50% DSR)
Upfront cash ≈ HK$283K (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).