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$6,442
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,642
−HK$204/mo
Today · 4.125%
HK$6,846
baseline
▲ 0.50% · 4.625%
HK$7,262
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,692/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$7,167
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,359
−HK$195/mo
Today · 4.125%
HK$7,554
baseline
▲ 0.50% · 4.625%
HK$7,952
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,108/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$7,730
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,971
−HK$244/mo
Today · 4.125%
HK$8,215
baseline
▲ 0.50% · 4.625%
HK$8,715
+HK$500/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,430/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$8,600
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,830
−HK$234/mo
Today · 4.125%
HK$9,064
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$478/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,128/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$9,019
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,299
−HK$285/mo
Today · 4.125%
HK$9,584
baseline
▲ 0.50% · 4.625%
HK$10,167
+HK$583/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$19,168/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,033
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,302
−HK$273/mo
Today · 4.125%
HK$10,575
baseline
▲ 0.50% · 4.625%
HK$11,133
+HK$558/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$21,150/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,595
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,956
−HK$367/mo
Today · 4.125%
HK$12,323
baseline
▲ 0.50% · 4.625%
HK$13,072
+HK$749/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$24,646/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$12,900
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,246
−HK$351/mo
Today · 4.125%
HK$13,597
baseline
▲ 0.50% · 4.625%
HK$14,313
+HK$716/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$27,194/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).