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$6,544
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,748
−HK$207/mo
Today · 4.125%
HK$6,955
baseline
▲ 0.50% · 4.625%
HK$7,378
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,910/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,280
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,476
−HK$198/mo
Today · 4.125%
HK$7,674
baseline
▲ 0.50% · 4.625%
HK$8,078
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,348/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,853
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,097
−HK$248/mo
Today · 4.125%
HK$8,345
baseline
▲ 0.50% · 4.625%
HK$8,853
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,690/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$8,736
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,971
−HK$237/mo
Today · 4.125%
HK$9,208
baseline
▲ 0.50% · 4.625%
HK$9,694
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,416/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$9,162
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,447
−HK$289/mo
Today · 4.125%
HK$9,736
baseline
▲ 0.50% · 4.625%
HK$10,329
+HK$593/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$19,472/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$10,192
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,466
−HK$277/mo
Today · 4.125%
HK$10,743
baseline
▲ 0.50% · 4.625%
HK$11,309
+HK$566/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$21,486/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$11,779
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,146
−HK$372/mo
Today · 4.125%
HK$12,518
baseline
▲ 0.50% · 4.625%
HK$13,280
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,036/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$13,105
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$357/mo
Today · 4.125%
HK$13,813
baseline
▲ 0.50% · 4.625%
HK$14,541
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,626/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).