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$6,486
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$205/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,312
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,784/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$7,215
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,409
−HK$196/mo
Today · 4.125%
HK$7,605
baseline
▲ 0.50% · 4.625%
HK$8,006
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,210/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$7,783
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,025
−HK$246/mo
Today · 4.125%
HK$8,271
baseline
▲ 0.50% · 4.625%
HK$8,774
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,542/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,658
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,890
−HK$236/mo
Today · 4.125%
HK$9,126
baseline
▲ 0.50% · 4.625%
HK$9,607
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,252/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,080
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$287/mo
Today · 4.125%
HK$9,649
baseline
▲ 0.50% · 4.625%
HK$10,236
+HK$587/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$19,298/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,101
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,372
−HK$275/mo
Today · 4.125%
HK$10,647
baseline
▲ 0.50% · 4.625%
HK$11,208
+HK$561/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$21,294/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,674
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,037
−HK$369/mo
Today · 4.125%
HK$12,406
baseline
▲ 0.50% · 4.625%
HK$13,161
+HK$755/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,812/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,987
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,336
−HK$353/mo
Today · 4.125%
HK$13,689
baseline
▲ 0.50% · 4.625%
HK$14,411
+HK$722/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,378/mo (50% DSR)
Upfront cash ≈ HK$285K (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).