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$6,428
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,628
−HK$204/mo
Today · 4.125%
HK$6,832
baseline
▲ 0.50% · 4.625%
HK$7,247
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,664/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$7,152
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,343
−HK$195/mo
Today · 4.125%
HK$7,538
baseline
▲ 0.50% · 4.625%
HK$7,935
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,076/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$7,714
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,954
−HK$244/mo
Today · 4.125%
HK$8,198
baseline
▲ 0.50% · 4.625%
HK$8,697
+HK$499/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,396/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$8,582
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,812
−HK$234/mo
Today · 4.125%
HK$9,046
baseline
▲ 0.50% · 4.625%
HK$9,522
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,092/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$9,000
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,280
−HK$284/mo
Today · 4.125%
HK$9,564
baseline
▲ 0.50% · 4.625%
HK$10,146
+HK$582/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,128/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$10,012
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,281
−HK$272/mo
Today · 4.125%
HK$10,553
baseline
▲ 0.50% · 4.625%
HK$11,109
+HK$556/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,106/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$11,571
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,931
−HK$366/mo
Today · 4.125%
HK$12,297
baseline
▲ 0.50% · 4.625%
HK$13,045
+HK$748/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,594/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$12,873
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,218
−HK$350/mo
Today · 4.125%
HK$13,568
baseline
▲ 0.50% · 4.625%
HK$14,284
+HK$716/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,136/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).