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$6,478
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,680
−HK$205/mo
Today · 4.125%
HK$6,885
baseline
▲ 0.50% · 4.625%
HK$7,304
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,770/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$7,207
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,400
−HK$197/mo
Today · 4.125%
HK$7,597
baseline
▲ 0.50% · 4.625%
HK$7,997
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,194/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$7,774
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,016
−HK$246/mo
Today · 4.125%
HK$8,262
baseline
▲ 0.50% · 4.625%
HK$8,764
+HK$502/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,524/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$8,649
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,881
−HK$235/mo
Today · 4.125%
HK$9,116
baseline
▲ 0.50% · 4.625%
HK$9,596
+HK$480/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,232/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$9,070
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,352
−HK$287/mo
Today · 4.125%
HK$9,639
baseline
▲ 0.50% · 4.625%
HK$10,225
+HK$586/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,278/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,090
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,361
−HK$274/mo
Today · 4.125%
HK$10,635
baseline
▲ 0.50% · 4.625%
HK$11,196
+HK$561/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,270/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,661
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,024
−HK$368/mo
Today · 4.125%
HK$12,392
baseline
▲ 0.50% · 4.625%
HK$13,146
+HK$754/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,784/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,973
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,321
−HK$353/mo
Today · 4.125%
HK$13,674
baseline
▲ 0.50% · 4.625%
HK$14,395
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,348/mo (50% DSR)
Upfront cash ≈ HK$284K (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).