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$6,413
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,613
−HK$203/mo
Today · 4.125%
HK$6,816
baseline
▲ 0.50% · 4.625%
HK$7,230
+HK$414/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,632/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$7,135
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,326
−HK$194/mo
Today · 4.125%
HK$7,520
baseline
▲ 0.50% · 4.625%
HK$7,917
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,040/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$7,696
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,935
−HK$244/mo
Today · 4.125%
HK$8,179
baseline
▲ 0.50% · 4.625%
HK$8,676
+HK$497/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,358/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$8,562
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,791
−HK$233/mo
Today · 4.125%
HK$9,024
baseline
▲ 0.50% · 4.625%
HK$9,500
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,048/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$8,979
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,258
−HK$284/mo
Today · 4.125%
HK$9,542
baseline
▲ 0.50% · 4.625%
HK$10,122
+HK$580/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$19,084/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,989
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,257
−HK$271/mo
Today · 4.125%
HK$10,528
baseline
▲ 0.50% · 4.625%
HK$11,083
+HK$555/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$21,056/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,544
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,903
−HK$365/mo
Today · 4.125%
HK$12,268
baseline
▲ 0.50% · 4.625%
HK$13,015
+HK$747/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,536/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,843
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,187
−HK$350/mo
Today · 4.125%
HK$13,537
baseline
▲ 0.50% · 4.625%
HK$14,250
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,074/mo (50% DSR)
Upfront cash ≈ HK$281K (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).