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$6,470
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,671
−HK$205/mo
Today · 4.125%
HK$6,876
baseline
▲ 0.50% · 4.625%
HK$7,294
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,752/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$7,198
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$195/mo
Today · 4.125%
HK$7,586
baseline
▲ 0.50% · 4.625%
HK$7,986
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,172/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$7,764
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,005
−HK$246/mo
Today · 4.125%
HK$8,251
baseline
▲ 0.50% · 4.625%
HK$8,753
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,502/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,637
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,869
−HK$235/mo
Today · 4.125%
HK$9,104
baseline
▲ 0.50% · 4.625%
HK$9,584
+HK$480/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,208/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,058
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$287/mo
Today · 4.125%
HK$9,626
baseline
▲ 0.50% · 4.625%
HK$10,211
+HK$585/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$19,252/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$10,077
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,347
−HK$274/mo
Today · 4.125%
HK$10,621
baseline
▲ 0.50% · 4.625%
HK$11,181
+HK$560/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$21,242/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$11,646
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,008
−HK$368/mo
Today · 4.125%
HK$12,376
baseline
▲ 0.50% · 4.625%
HK$13,129
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,752/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$12,956
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,303
−HK$353/mo
Today · 4.125%
HK$13,656
baseline
▲ 0.50% · 4.625%
HK$14,375
+HK$719/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,312/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).