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$6,411
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,610
−HK$203/mo
Today · 4.125%
HK$6,813
baseline
▲ 0.50% · 4.625%
HK$7,227
+HK$414/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,626/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$7,132
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,323
−HK$194/mo
Today · 4.125%
HK$7,517
baseline
▲ 0.50% · 4.625%
HK$7,913
+HK$396/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,034/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$7,693
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,932
−HK$243/mo
Today · 4.125%
HK$8,175
baseline
▲ 0.50% · 4.625%
HK$8,672
+HK$497/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,350/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,558
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,788
−HK$232/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,496
+HK$476/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,040/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,975
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,254
−HK$284/mo
Today · 4.125%
HK$9,538
baseline
▲ 0.50% · 4.625%
HK$10,118
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,076/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,984
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,252
−HK$272/mo
Today · 4.125%
HK$10,524
baseline
▲ 0.50% · 4.625%
HK$11,078
+HK$554/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,048/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,539
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,898
−HK$365/mo
Today · 4.125%
HK$12,263
baseline
▲ 0.50% · 4.625%
HK$13,009
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,526/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,837
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,181
−HK$350/mo
Today · 4.125%
HK$13,531
baseline
▲ 0.50% · 4.625%
HK$14,244
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,062/mo (50% DSR)
Upfront cash ≈ HK$281K (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).