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$6,453
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,654
−HK$204/mo
Today · 4.125%
HK$6,858
baseline
▲ 0.50% · 4.625%
HK$7,275
+HK$417/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,716/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$7,179
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,372
−HK$195/mo
Today · 4.125%
HK$7,567
baseline
▲ 0.50% · 4.625%
HK$7,966
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,134/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$7,744
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$245/mo
Today · 4.125%
HK$8,230
baseline
▲ 0.50% · 4.625%
HK$8,730
+HK$500/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$8,615
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,846
−HK$235/mo
Today · 4.125%
HK$9,081
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$478/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$566/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$285/mo
Today · 4.125%
HK$9,601
baseline
▲ 0.50% · 4.625%
HK$10,186
+HK$585/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,202/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$10,051
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,321
−HK$273/mo
Today · 4.125%
HK$10,594
baseline
▲ 0.50% · 4.625%
HK$11,153
+HK$559/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,188/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$11,616
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,977
−HK$368/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$13,096
+HK$751/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$12,923
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,269
−HK$352/mo
Today · 4.125%
HK$13,621
baseline
▲ 0.50% · 4.625%
HK$14,339
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,242/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).