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$6,418
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,618
−HK$203/mo
Today · 4.125%
HK$6,821
baseline
▲ 0.50% · 4.625%
HK$7,236
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,642/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$7,140
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,332
−HK$194/mo
Today · 4.125%
HK$7,526
baseline
▲ 0.50% · 4.625%
HK$7,923
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,052/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$7,702
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,942
−HK$243/mo
Today · 4.125%
HK$8,185
baseline
▲ 0.50% · 4.625%
HK$8,683
+HK$498/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,370/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$8,569
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,798
−HK$233/mo
Today · 4.125%
HK$9,031
baseline
▲ 0.50% · 4.625%
HK$9,507
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,062/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$8,986
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,265
−HK$284/mo
Today · 4.125%
HK$9,549
baseline
▲ 0.50% · 4.625%
HK$10,130
+HK$581/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$19,098/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,997
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,265
−HK$272/mo
Today · 4.125%
HK$10,537
baseline
▲ 0.50% · 4.625%
HK$11,092
+HK$555/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$21,074/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,553
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,913
−HK$365/mo
Today · 4.125%
HK$12,278
baseline
▲ 0.50% · 4.625%
HK$13,025
+HK$747/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,556/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$12,853
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,197
−HK$350/mo
Today · 4.125%
HK$13,547
baseline
▲ 0.50% · 4.625%
HK$14,261
+HK$714/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,094/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).