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$6,451
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,651
−HK$204/mo
Today · 4.125%
HK$6,855
baseline
▲ 0.50% · 4.625%
HK$7,272
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,710/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$7,176
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,369
−HK$195/mo
Today · 4.125%
HK$7,564
baseline
▲ 0.50% · 4.625%
HK$7,963
+HK$399/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,128/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$7,741
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,982
−HK$244/mo
Today · 4.125%
HK$8,226
baseline
▲ 0.50% · 4.625%
HK$8,727
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,452/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$8,612
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,842
−HK$235/mo
Today · 4.125%
HK$9,077
baseline
▲ 0.50% · 4.625%
HK$9,555
+HK$478/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,154/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$9,031
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,312
−HK$285/mo
Today · 4.125%
HK$9,597
baseline
▲ 0.50% · 4.625%
HK$10,181
+HK$584/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,194/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,047
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,316
−HK$274/mo
Today · 4.125%
HK$10,590
baseline
▲ 0.50% · 4.625%
HK$11,148
+HK$558/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,180/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,611
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,972
−HK$367/mo
Today · 4.125%
HK$12,339
baseline
▲ 0.50% · 4.625%
HK$13,090
+HK$751/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,678/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$12,917
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,264
−HK$351/mo
Today · 4.125%
HK$13,615
baseline
▲ 0.50% · 4.625%
HK$14,333
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,230/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).