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$6,455
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,656
−HK$204/mo
Today · 4.125%
HK$6,860
baseline
▲ 0.50% · 4.625%
HK$7,277
+HK$417/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,720/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$7,181
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,374
−HK$195/mo
Today · 4.125%
HK$7,569
baseline
▲ 0.50% · 4.625%
HK$7,968
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,138/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$7,746
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,987
−HK$245/mo
Today · 4.125%
HK$8,232
baseline
▲ 0.50% · 4.625%
HK$8,733
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,464/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$8,617
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,848
−HK$235/mo
Today · 4.125%
HK$9,083
baseline
▲ 0.50% · 4.625%
HK$9,562
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,166/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$9,037
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,318
−HK$286/mo
Today · 4.125%
HK$9,604
baseline
▲ 0.50% · 4.625%
HK$10,188
+HK$584/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,208/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$10,053
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,323
−HK$274/mo
Today · 4.125%
HK$10,597
baseline
▲ 0.50% · 4.625%
HK$11,155
+HK$558/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,194/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$11,619
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$367/mo
Today · 4.125%
HK$12,347
baseline
▲ 0.50% · 4.625%
HK$13,099
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,694/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$12,926
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$351/mo
Today · 4.125%
HK$13,624
baseline
▲ 0.50% · 4.625%
HK$14,342
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,248/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).