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$6,466
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,667
−HK$204/mo
Today · 4.125%
HK$6,871
baseline
▲ 0.50% · 4.625%
HK$7,289
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,742/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$7,193
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,386
−HK$196/mo
Today · 4.125%
HK$7,582
baseline
▲ 0.50% · 4.625%
HK$7,981
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,164/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$7,759
−HK$486/mo
▼ 0.25% · 3.875%
HK$8,000
−HK$245/mo
Today · 4.125%
HK$8,245
baseline
▲ 0.50% · 4.625%
HK$8,747
+HK$502/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,490/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$8,632
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,863
−HK$235/mo
Today · 4.125%
HK$9,098
baseline
▲ 0.50% · 4.625%
HK$9,578
+HK$480/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,196/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$9,052
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,334
−HK$286/mo
Today · 4.125%
HK$9,620
baseline
▲ 0.50% · 4.625%
HK$10,205
+HK$585/mo
Deposit HK$851K · loan HK$1.98M · min. income ≈ HK$19,240/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,070
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,340
−HK$274/mo
Today · 4.125%
HK$10,614
baseline
▲ 0.50% · 4.625%
HK$11,174
+HK$560/mo
Deposit HK$851K · loan HK$1.98M · min. income ≈ HK$21,228/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,638
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,000
−HK$368/mo
Today · 4.125%
HK$12,368
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$753/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$24,736/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$12,947
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$352/mo
Today · 4.125%
HK$13,647
baseline
▲ 0.50% · 4.625%
HK$14,366
+HK$719/mo
Deposit HK$284K · loan HK$2.55M · min. income ≈ HK$27,294/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).