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$6,421
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,621
−HK$203/mo
Today · 4.125%
HK$6,824
baseline
▲ 0.50% · 4.625%
HK$7,239
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,648/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$7,143
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,335
−HK$194/mo
Today · 4.125%
HK$7,529
baseline
▲ 0.50% · 4.625%
HK$7,926
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,058/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$7,705
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,945
−HK$244/mo
Today · 4.125%
HK$8,189
baseline
▲ 0.50% · 4.625%
HK$8,687
+HK$498/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,378/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$8,572
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,802
−HK$233/mo
Today · 4.125%
HK$9,035
baseline
▲ 0.50% · 4.625%
HK$9,512
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,070/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$8,990
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,269
−HK$284/mo
Today · 4.125%
HK$9,553
baseline
▲ 0.50% · 4.625%
HK$10,135
+HK$582/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$19,106/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,001
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,269
−HK$272/mo
Today · 4.125%
HK$10,541
baseline
▲ 0.50% · 4.625%
HK$11,097
+HK$556/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$21,082/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,558
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$365/mo
Today · 4.125%
HK$12,283
baseline
▲ 0.50% · 4.625%
HK$13,030
+HK$747/mo
Deposit HK$282K · loan HK$2.53M · min. income ≈ HK$24,566/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,858
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,203
−HK$350/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$714/mo
Deposit HK$282K · loan HK$2.53M · min. income ≈ HK$27,106/mo (50% DSR)
Upfront cash ≈ HK$282K (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).