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$6,446
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,646
−HK$204/mo
Today · 4.125%
HK$6,850
baseline
▲ 0.50% · 4.625%
HK$7,267
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,700/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$7,171
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,363
−HK$195/mo
Today · 4.125%
HK$7,558
baseline
▲ 0.50% · 4.625%
HK$7,957
+HK$399/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,116/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$7,735
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$245/mo
Today · 4.125%
HK$8,220
baseline
▲ 0.50% · 4.625%
HK$8,720
+HK$500/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,440/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$8,605
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,836
−HK$234/mo
Today · 4.125%
HK$9,070
baseline
▲ 0.50% · 4.625%
HK$9,548
+HK$478/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,140/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$9,024
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,305
−HK$285/mo
Today · 4.125%
HK$9,590
baseline
▲ 0.50% · 4.625%
HK$10,173
+HK$583/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$19,180/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,039
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,308
−HK$273/mo
Today · 4.125%
HK$10,581
baseline
▲ 0.50% · 4.625%
HK$11,139
+HK$558/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$21,162/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,602
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,963
−HK$367/mo
Today · 4.125%
HK$12,330
baseline
▲ 0.50% · 4.625%
HK$13,080
+HK$750/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$24,660/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$12,907
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$351/mo
Today · 4.125%
HK$13,605
baseline
▲ 0.50% · 4.625%
HK$14,322
+HK$717/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$27,210/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).