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$6,468
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,669
−HK$204/mo
Today · 4.125%
HK$6,873
baseline
▲ 0.50% · 4.625%
HK$7,292
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,746/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$7,195
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,388
−HK$196/mo
Today · 4.125%
HK$7,584
baseline
▲ 0.50% · 4.625%
HK$7,984
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,168/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$7,761
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,003
−HK$245/mo
Today · 4.125%
HK$8,248
baseline
▲ 0.50% · 4.625%
HK$8,750
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,496/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$8,634
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,866
−HK$235/mo
Today · 4.125%
HK$9,101
baseline
▲ 0.50% · 4.625%
HK$9,581
+HK$480/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,202/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$9,055
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,337
−HK$286/mo
Today · 4.125%
HK$9,623
baseline
▲ 0.50% · 4.625%
HK$10,208
+HK$585/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$19,246/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$10,074
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,344
−HK$274/mo
Today · 4.125%
HK$10,618
baseline
▲ 0.50% · 4.625%
HK$11,177
+HK$559/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$21,236/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$11,642
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,004
−HK$368/mo
Today · 4.125%
HK$12,372
baseline
▲ 0.50% · 4.625%
HK$13,125
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,744/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$12,952
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,299
−HK$352/mo
Today · 4.125%
HK$13,651
baseline
▲ 0.50% · 4.625%
HK$14,371
+HK$720/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,302/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).