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$6,457
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,658
−HK$204/mo
Today · 4.125%
HK$6,862
baseline
▲ 0.50% · 4.625%
HK$7,279
+HK$417/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,724/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$7,183
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,376
−HK$195/mo
Today · 4.125%
HK$7,571
baseline
▲ 0.50% · 4.625%
HK$7,970
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,142/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$7,748
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,989
−HK$245/mo
Today · 4.125%
HK$8,234
baseline
▲ 0.50% · 4.625%
HK$8,735
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,468/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$8,620
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,851
−HK$234/mo
Today · 4.125%
HK$9,085
baseline
▲ 0.50% · 4.625%
HK$9,564
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,170/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$9,040
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,321
−HK$285/mo
Today · 4.125%
HK$9,606
baseline
▲ 0.50% · 4.625%
HK$10,191
+HK$585/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,212/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,056
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,326
−HK$274/mo
Today · 4.125%
HK$10,600
baseline
▲ 0.50% · 4.625%
HK$11,158
+HK$558/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,200/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,622
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,984
−HK$367/mo
Today · 4.125%
HK$12,351
baseline
▲ 0.50% · 4.625%
HK$13,103
+HK$752/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,702/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$12,930
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,276
−HK$352/mo
Today · 4.125%
HK$13,628
baseline
▲ 0.50% · 4.625%
HK$14,347
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,256/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).