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$6,420
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,620
−HK$203/mo
Today · 4.125%
HK$6,823
baseline
▲ 0.50% · 4.625%
HK$7,238
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,646/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$7,142
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,334
−HK$194/mo
Today · 4.125%
HK$7,528
baseline
▲ 0.50% · 4.625%
HK$7,925
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,056/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$7,704
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,944
−HK$243/mo
Today · 4.125%
HK$8,187
baseline
▲ 0.50% · 4.625%
HK$8,685
+HK$498/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,374/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$8,571
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,800
−HK$234/mo
Today · 4.125%
HK$9,034
baseline
▲ 0.50% · 4.625%
HK$9,510
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,068/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$8,988
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,268
−HK$284/mo
Today · 4.125%
HK$9,552
baseline
▲ 0.50% · 4.625%
HK$10,133
+HK$581/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$19,104/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$9,999
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,267
−HK$272/mo
Today · 4.125%
HK$10,539
baseline
▲ 0.50% · 4.625%
HK$11,095
+HK$556/mo
Deposit HK$845K · loan HK$1.97M · min. income ≈ HK$21,078/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$11,556
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,915
−HK$366/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$13,028
+HK$747/mo
Deposit HK$282K · loan HK$2.53M · min. income ≈ HK$24,562/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$12,856
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$349/mo
Today · 4.125%
HK$13,550
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$715/mo
Deposit HK$282K · loan HK$2.53M · min. income ≈ HK$27,100/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).