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$6,466
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,667
−HK$205/mo
Today · 4.125%
HK$6,872
baseline
▲ 0.50% · 4.625%
HK$7,290
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,744/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$7,194
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,387
−HK$195/mo
Today · 4.125%
HK$7,582
baseline
▲ 0.50% · 4.625%
HK$7,982
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,164/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$7,760
−HK$486/mo
▼ 0.25% · 3.875%
HK$8,001
−HK$245/mo
Today · 4.125%
HK$8,246
baseline
▲ 0.50% · 4.625%
HK$8,748
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,492/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$8,632
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,864
−HK$235/mo
Today · 4.125%
HK$9,099
baseline
▲ 0.50% · 4.625%
HK$9,578
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,198/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$9,053
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,334
−HK$287/mo
Today · 4.125%
HK$9,621
baseline
▲ 0.50% · 4.625%
HK$10,206
+HK$585/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$19,242/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,071
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,341
−HK$274/mo
Today · 4.125%
HK$10,615
baseline
▲ 0.50% · 4.625%
HK$11,175
+HK$560/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$21,230/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,639
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,001
−HK$368/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,122
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,738/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,949
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,296
−HK$352/mo
Today · 4.125%
HK$13,648
baseline
▲ 0.50% · 4.625%
HK$14,368
+HK$720/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,296/mo (50% DSR)
Upfront cash ≈ HK$284K (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).