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$6,542
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,745
−HK$207/mo
Today · 4.125%
HK$6,952
baseline
▲ 0.50% · 4.625%
HK$7,375
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,904/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,278
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,473
−HK$198/mo
Today · 4.125%
HK$7,671
baseline
▲ 0.50% · 4.625%
HK$8,075
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,342/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,850
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,094
−HK$248/mo
Today · 4.125%
HK$8,342
baseline
▲ 0.50% · 4.625%
HK$8,850
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,684/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,733
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,967
−HK$238/mo
Today · 4.125%
HK$9,205
baseline
▲ 0.50% · 4.625%
HK$9,690
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,410/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,158
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,443
−HK$290/mo
Today · 4.125%
HK$9,733
baseline
▲ 0.50% · 4.625%
HK$10,325
+HK$592/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$19,466/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,189
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,462
−HK$277/mo
Today · 4.125%
HK$10,739
baseline
▲ 0.50% · 4.625%
HK$11,305
+HK$566/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$21,478/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,775
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,141
−HK$372/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,275
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,026/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,100
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$356/mo
Today · 4.125%
HK$13,807
baseline
▲ 0.50% · 4.625%
HK$14,535
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,614/mo (50% DSR)
Upfront cash ≈ HK$287K (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).