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$6,449
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,650
−HK$203/mo
Today · 4.125%
HK$6,853
baseline
▲ 0.50% · 4.625%
HK$7,270
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,706/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$7,174
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,367
−HK$195/mo
Today · 4.125%
HK$7,562
baseline
▲ 0.50% · 4.625%
HK$7,961
+HK$399/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,124/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$7,739
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,979
−HK$245/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,724
+HK$500/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,448/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$8,609
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,840
−HK$234/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,553
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,148/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$9,029
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,309
−HK$286/mo
Today · 4.125%
HK$9,595
baseline
▲ 0.50% · 4.625%
HK$10,178
+HK$583/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$19,190/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$10,044
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$273/mo
Today · 4.125%
HK$10,587
baseline
▲ 0.50% · 4.625%
HK$11,145
+HK$558/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$21,174/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$11,608
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,969
−HK$367/mo
Today · 4.125%
HK$12,336
baseline
▲ 0.50% · 4.625%
HK$13,087
+HK$751/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,672/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$12,914
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,260
−HK$352/mo
Today · 4.125%
HK$13,612
baseline
▲ 0.50% · 4.625%
HK$14,329
+HK$717/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,224/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).