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$6,486
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,688
−HK$205/mo
Today · 4.125%
HK$6,893
baseline
▲ 0.50% · 4.625%
HK$7,312
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,786/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,216
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,409
−HK$197/mo
Today · 4.125%
HK$7,606
baseline
▲ 0.50% · 4.625%
HK$8,007
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,212/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,783
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,026
−HK$246/mo
Today · 4.125%
HK$8,272
baseline
▲ 0.50% · 4.625%
HK$8,775
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,544/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,659
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,891
−HK$236/mo
Today · 4.125%
HK$9,127
baseline
▲ 0.50% · 4.625%
HK$9,608
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,254/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,081
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,363
−HK$287/mo
Today · 4.125%
HK$9,650
baseline
▲ 0.50% · 4.625%
HK$10,237
+HK$587/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$19,300/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,102
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,373
−HK$275/mo
Today · 4.125%
HK$10,648
baseline
▲ 0.50% · 4.625%
HK$11,209
+HK$561/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$21,296/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,675
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,038
−HK$369/mo
Today · 4.125%
HK$12,407
baseline
▲ 0.50% · 4.625%
HK$13,162
+HK$755/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,814/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,988
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,337
−HK$353/mo
Today · 4.125%
HK$13,690
baseline
▲ 0.50% · 4.625%
HK$14,412
+HK$722/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,380/mo (50% DSR)
Upfront cash ≈ HK$285K (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).