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$6,463
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,664
−HK$205/mo
Today · 4.125%
HK$6,869
baseline
▲ 0.50% · 4.625%
HK$7,287
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,738/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$7,190
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,383
−HK$196/mo
Today · 4.125%
HK$7,579
baseline
▲ 0.50% · 4.625%
HK$7,978
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,158/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$7,756
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,997
−HK$245/mo
Today · 4.125%
HK$8,242
baseline
▲ 0.50% · 4.625%
HK$8,744
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,484/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$8,629
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,860
−HK$235/mo
Today · 4.125%
HK$9,095
baseline
▲ 0.50% · 4.625%
HK$9,574
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,190/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$9,049
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,330
−HK$286/mo
Today · 4.125%
HK$9,616
baseline
▲ 0.50% · 4.625%
HK$10,201
+HK$585/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$19,232/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,067
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,337
−HK$273/mo
Today · 4.125%
HK$10,610
baseline
▲ 0.50% · 4.625%
HK$11,170
+HK$560/mo
Deposit HK$850K · loan HK$1.98M · min. income ≈ HK$21,220/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,634
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,996
−HK$368/mo
Today · 4.125%
HK$12,364
baseline
▲ 0.50% · 4.625%
HK$13,116
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,728/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,943
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,290
−HK$352/mo
Today · 4.125%
HK$13,642
baseline
▲ 0.50% · 4.625%
HK$14,361
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,284/mo (50% DSR)
Upfront cash ≈ HK$284K (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).