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$6,479
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,681
−HK$204/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$7,208
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,401
−HK$196/mo
Today · 4.125%
HK$7,597
baseline
▲ 0.50% · 4.625%
HK$7,998
+HK$401/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$7,775
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,017
−HK$246/mo
Today · 4.125%
HK$8,263
baseline
▲ 0.50% · 4.625%
HK$8,765
+HK$502/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,526/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$8,650
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,882
−HK$235/mo
Today · 4.125%
HK$9,117
baseline
▲ 0.50% · 4.625%
HK$9,598
+HK$481/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,234/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$9,071
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,353
−HK$287/mo
Today · 4.125%
HK$9,640
baseline
▲ 0.50% · 4.625%
HK$10,226
+HK$586/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,280/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,091
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,362
−HK$274/mo
Today · 4.125%
HK$10,636
baseline
▲ 0.50% · 4.625%
HK$11,197
+HK$561/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,272/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,663
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,025
−HK$369/mo
Today · 4.125%
HK$12,394
baseline
▲ 0.50% · 4.625%
HK$13,148
+HK$754/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,788/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$12,974
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,322
−HK$353/mo
Today · 4.125%
HK$13,675
baseline
▲ 0.50% · 4.625%
HK$14,396
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,350/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).