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$6,411
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,611
−HK$202/mo
Today · 4.125%
HK$6,813
baseline
▲ 0.50% · 4.625%
HK$7,228
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,626/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$7,133
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,324
−HK$194/mo
Today · 4.125%
HK$7,518
baseline
▲ 0.50% · 4.625%
HK$7,914
+HK$396/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,036/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$7,694
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,933
−HK$243/mo
Today · 4.125%
HK$8,176
baseline
▲ 0.50% · 4.625%
HK$8,674
+HK$498/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,352/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,559
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,789
−HK$233/mo
Today · 4.125%
HK$9,022
baseline
▲ 0.50% · 4.625%
HK$9,497
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,044/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,976
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,255
−HK$284/mo
Today · 4.125%
HK$9,539
baseline
▲ 0.50% · 4.625%
HK$10,119
+HK$580/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$19,078/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,986
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$271/mo
Today · 4.125%
HK$10,525
baseline
▲ 0.50% · 4.625%
HK$11,080
+HK$555/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$21,050/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,541
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,900
−HK$364/mo
Today · 4.125%
HK$12,264
baseline
▲ 0.50% · 4.625%
HK$13,011
+HK$747/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,528/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,839
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,183
−HK$349/mo
Today · 4.125%
HK$13,532
baseline
▲ 0.50% · 4.625%
HK$14,246
+HK$714/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,064/mo (50% DSR)
Upfront cash ≈ HK$281K (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).