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$6,430
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,630
−HK$204/mo
Today · 4.125%
HK$6,834
baseline
▲ 0.50% · 4.625%
HK$7,249
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,668/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$7,154
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,346
−HK$194/mo
Today · 4.125%
HK$7,540
baseline
▲ 0.50% · 4.625%
HK$7,938
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,080/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$7,717
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,957
−HK$243/mo
Today · 4.125%
HK$8,200
baseline
▲ 0.50% · 4.625%
HK$8,699
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,400/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$8,585
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,815
−HK$233/mo
Today · 4.125%
HK$9,048
baseline
▲ 0.50% · 4.625%
HK$9,525
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,096/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$9,003
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,283
−HK$284/mo
Today · 4.125%
HK$9,567
baseline
▲ 0.50% · 4.625%
HK$10,149
+HK$582/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,134/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,015
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,284
−HK$272/mo
Today · 4.125%
HK$10,556
baseline
▲ 0.50% · 4.625%
HK$11,113
+HK$557/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,112/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,575
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,935
−HK$366/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$13,049
+HK$748/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,602/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,877
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,222
−HK$351/mo
Today · 4.125%
HK$13,573
baseline
▲ 0.50% · 4.625%
HK$14,288
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,146/mo (50% DSR)
Upfront cash ≈ HK$282K (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).