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$6,543
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,747
−HK$206/mo
Today · 4.125%
HK$6,953
baseline
▲ 0.50% · 4.625%
HK$7,376
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,906/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$7,279
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,474
−HK$198/mo
Today · 4.125%
HK$7,672
baseline
▲ 0.50% · 4.625%
HK$8,077
+HK$405/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,344/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$7,852
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,096
−HK$248/mo
Today · 4.125%
HK$8,344
baseline
▲ 0.50% · 4.625%
HK$8,852
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,688/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$8,735
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,969
−HK$238/mo
Today · 4.125%
HK$9,207
baseline
▲ 0.50% · 4.625%
HK$9,692
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,414/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$9,160
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,445
−HK$290/mo
Today · 4.125%
HK$9,735
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$592/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$19,470/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$10,191
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,464
−HK$277/mo
Today · 4.125%
HK$10,741
baseline
▲ 0.50% · 4.625%
HK$11,308
+HK$567/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$21,482/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$11,778
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,144
−HK$372/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,278
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,032/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$13,102
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,454
−HK$356/mo
Today · 4.125%
HK$13,810
baseline
▲ 0.50% · 4.625%
HK$14,538
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,620/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).