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$6,431
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,631
−HK$203/mo
Today · 4.125%
HK$6,834
baseline
▲ 0.50% · 4.625%
HK$7,250
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,668/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$7,154
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,346
−HK$195/mo
Today · 4.125%
HK$7,541
baseline
▲ 0.50% · 4.625%
HK$7,938
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,082/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$7,717
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,957
−HK$244/mo
Today · 4.125%
HK$8,201
baseline
▲ 0.50% · 4.625%
HK$8,700
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,402/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$8,585
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,816
−HK$233/mo
Today · 4.125%
HK$9,049
baseline
▲ 0.50% · 4.625%
HK$9,526
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,098/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$9,003
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,283
−HK$285/mo
Today · 4.125%
HK$9,568
baseline
▲ 0.50% · 4.625%
HK$10,150
+HK$582/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,136/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,016
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,285
−HK$272/mo
Today · 4.125%
HK$10,557
baseline
▲ 0.50% · 4.625%
HK$11,114
+HK$557/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,114/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,576
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$366/mo
Today · 4.125%
HK$12,302
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$748/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,604/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$12,878
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,223
−HK$351/mo
Today · 4.125%
HK$13,574
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,148/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).