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$6,409
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,608
−HK$203/mo
Today · 4.125%
HK$6,811
baseline
▲ 0.50% · 4.625%
HK$7,225
+HK$414/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,622/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$7,130
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,321
−HK$194/mo
Today · 4.125%
HK$7,515
baseline
▲ 0.50% · 4.625%
HK$7,911
+HK$396/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,030/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$7,691
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,930
−HK$243/mo
Today · 4.125%
HK$8,173
baseline
▲ 0.50% · 4.625%
HK$8,670
+HK$497/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,346/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$8,556
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,785
−HK$233/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,493
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,036/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$8,972
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,252
−HK$283/mo
Today · 4.125%
HK$9,535
baseline
▲ 0.50% · 4.625%
HK$10,115
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,070/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,982
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$272/mo
Today · 4.125%
HK$10,521
baseline
▲ 0.50% · 4.625%
HK$11,076
+HK$555/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,042/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,536
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,895
−HK$364/mo
Today · 4.125%
HK$12,259
baseline
▲ 0.50% · 4.625%
HK$13,005
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,518/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$12,834
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,178
−HK$349/mo
Today · 4.125%
HK$13,527
baseline
▲ 0.50% · 4.625%
HK$14,240
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,054/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).