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$6,452
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,653
−HK$204/mo
Today · 4.125%
HK$6,857
baseline
▲ 0.50% · 4.625%
HK$7,274
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,714/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$7,178
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,371
−HK$195/mo
Today · 4.125%
HK$7,566
baseline
▲ 0.50% · 4.625%
HK$7,965
+HK$399/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,132/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$7,743
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,984
−HK$244/mo
Today · 4.125%
HK$8,228
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,456/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$8,614
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,845
−HK$234/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,558
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,158/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$9,033
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,314
−HK$286/mo
Today · 4.125%
HK$9,600
baseline
▲ 0.50% · 4.625%
HK$10,184
+HK$584/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,200/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,049
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,319
−HK$273/mo
Today · 4.125%
HK$10,592
baseline
▲ 0.50% · 4.625%
HK$11,151
+HK$559/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,184/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,614
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,975
−HK$367/mo
Today · 4.125%
HK$12,342
baseline
▲ 0.50% · 4.625%
HK$13,094
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,684/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,921
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,267
−HK$352/mo
Today · 4.125%
HK$13,619
baseline
▲ 0.50% · 4.625%
HK$14,337
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,238/mo (50% DSR)
Upfront cash ≈ HK$283K (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).