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$6,444
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,645
−HK$204/mo
Today · 4.125%
HK$6,849
baseline
▲ 0.50% · 4.625%
HK$7,265
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,698/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$7,169
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,362
−HK$195/mo
Today · 4.125%
HK$7,557
baseline
▲ 0.50% · 4.625%
HK$7,955
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,114/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$7,733
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,974
−HK$244/mo
Today · 4.125%
HK$8,218
baseline
▲ 0.50% · 4.625%
HK$8,718
+HK$500/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,436/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$8,603
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,834
−HK$234/mo
Today · 4.125%
HK$9,068
baseline
▲ 0.50% · 4.625%
HK$9,546
+HK$478/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,136/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$9,022
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,303
−HK$285/mo
Today · 4.125%
HK$9,588
baseline
▲ 0.50% · 4.625%
HK$10,171
+HK$583/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$19,176/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,037
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,306
−HK$273/mo
Today · 4.125%
HK$10,579
baseline
▲ 0.50% · 4.625%
HK$11,137
+HK$558/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$21,158/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,600
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,961
−HK$366/mo
Today · 4.125%
HK$12,327
baseline
▲ 0.50% · 4.625%
HK$13,078
+HK$751/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$24,654/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$12,905
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,251
−HK$351/mo
Today · 4.125%
HK$13,602
baseline
▲ 0.50% · 4.625%
HK$14,319
+HK$717/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$27,204/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).