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$6,461
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,662
−HK$205/mo
Today · 4.125%
HK$6,867
baseline
▲ 0.50% · 4.625%
HK$7,284
+HK$417/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,734/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$7,188
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,381
−HK$196/mo
Today · 4.125%
HK$7,577
baseline
▲ 0.50% · 4.625%
HK$7,976
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,154/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$7,754
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,995
−HK$245/mo
Today · 4.125%
HK$8,240
baseline
▲ 0.50% · 4.625%
HK$8,741
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,480/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$8,626
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$235/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,571
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,184/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$9,046
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,327
−HK$286/mo
Today · 4.125%
HK$9,613
baseline
▲ 0.50% · 4.625%
HK$10,198
+HK$585/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,226/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,064
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,333
−HK$274/mo
Today · 4.125%
HK$10,607
baseline
▲ 0.50% · 4.625%
HK$11,166
+HK$559/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,214/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,631
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,992
−HK$368/mo
Today · 4.125%
HK$12,360
baseline
▲ 0.50% · 4.625%
HK$13,112
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,720/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$12,939
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,286
−HK$352/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,357
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,276/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).