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$6,433
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,633
−HK$204/mo
Today · 4.125%
HK$6,837
baseline
▲ 0.50% · 4.625%
HK$7,253
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,674/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$7,157
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,349
−HK$194/mo
Today · 4.125%
HK$7,543
baseline
▲ 0.50% · 4.625%
HK$7,941
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,086/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$7,720
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,960
−HK$244/mo
Today · 4.125%
HK$8,204
baseline
▲ 0.50% · 4.625%
HK$8,703
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,408/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$8,588
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,819
−HK$233/mo
Today · 4.125%
HK$9,052
baseline
▲ 0.50% · 4.625%
HK$9,529
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,104/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$9,006
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$284/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,154
+HK$583/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,142/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$10,020
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,288
−HK$273/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$557/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,122/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$11,580
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,940
−HK$366/mo
Today · 4.125%
HK$12,306
baseline
▲ 0.50% · 4.625%
HK$13,055
+HK$749/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,612/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$12,882
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,228
−HK$350/mo
Today · 4.125%
HK$13,578
baseline
▲ 0.50% · 4.625%
HK$14,294
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,156/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).