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$406/mo
▼ 0.25% · 3.875%
HK$6,670
−HK$204/mo
Today · 4.125%
HK$6,874
baseline
▲ 0.50% · 4.625%
HK$7,292
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,748/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$7,196
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,389
−HK$196/mo
Today · 4.125%
HK$7,585
baseline
▲ 0.50% · 4.625%
HK$7,985
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,170/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$7,762
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,004
−HK$245/mo
Today · 4.125%
HK$8,249
baseline
▲ 0.50% · 4.625%
HK$8,751
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,498/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$8,635
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,867
−HK$235/mo
Today · 4.125%
HK$9,102
baseline
▲ 0.50% · 4.625%
HK$9,582
+HK$480/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,204/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$9,056
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,338
−HK$286/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,209
+HK$585/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$19,248/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$10,075
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,345
−HK$274/mo
Today · 4.125%
HK$10,619
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$560/mo
Deposit HK$851K · loan HK$1.99M · min. income ≈ HK$21,238/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$11,643
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,005
−HK$368/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,126
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,746/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$12,953
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,300
−HK$353/mo
Today · 4.125%
HK$13,653
baseline
▲ 0.50% · 4.625%
HK$14,372
+HK$719/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,306/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).