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$6,409
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,609
−HK$202/mo
Today · 4.125%
HK$6,811
baseline
▲ 0.50% · 4.625%
HK$7,226
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,622/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$7,130
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,321
−HK$194/mo
Today · 4.125%
HK$7,515
baseline
▲ 0.50% · 4.625%
HK$7,912
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,030/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$7,691
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,930
−HK$243/mo
Today · 4.125%
HK$8,173
baseline
▲ 0.50% · 4.625%
HK$8,671
+HK$498/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,346/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$8,556
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,786
−HK$233/mo
Today · 4.125%
HK$9,019
baseline
▲ 0.50% · 4.625%
HK$9,494
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,038/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$8,973
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,252
−HK$284/mo
Today · 4.125%
HK$9,536
baseline
▲ 0.50% · 4.625%
HK$10,116
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,072/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$9,982
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,250
−HK$272/mo
Today · 4.125%
HK$10,522
baseline
▲ 0.50% · 4.625%
HK$11,076
+HK$554/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,044/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$11,537
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,895
−HK$365/mo
Today · 4.125%
HK$12,260
baseline
▲ 0.50% · 4.625%
HK$13,006
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,520/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$12,834
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,179
−HK$349/mo
Today · 4.125%
HK$13,528
baseline
▲ 0.50% · 4.625%
HK$14,241
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,056/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).