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$6,454
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,655
−HK$204/mo
Today · 4.125%
HK$6,859
baseline
▲ 0.50% · 4.625%
HK$7,276
+HK$417/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,718/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$7,180
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,372
−HK$196/mo
Today · 4.125%
HK$7,568
baseline
▲ 0.50% · 4.625%
HK$7,967
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,136/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$7,745
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$245/mo
Today · 4.125%
HK$8,230
baseline
▲ 0.50% · 4.625%
HK$8,731
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,460/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$8,616
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,847
−HK$234/mo
Today · 4.125%
HK$9,081
baseline
▲ 0.50% · 4.625%
HK$9,560
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,162/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$9,035
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$286/mo
Today · 4.125%
HK$9,602
baseline
▲ 0.50% · 4.625%
HK$10,186
+HK$584/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,204/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,052
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,321
−HK$274/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,153
+HK$558/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,190/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,617
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$367/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$13,097
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,690/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$12,924
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,270
−HK$352/mo
Today · 4.125%
HK$13,622
baseline
▲ 0.50% · 4.625%
HK$14,340
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,244/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).