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$6,453
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,654
−HK$204/mo
Today · 4.125%
HK$6,858
baseline
▲ 0.50% · 4.625%
HK$7,275
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,716/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$7,179
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,371
−HK$196/mo
Today · 4.125%
HK$7,567
baseline
▲ 0.50% · 4.625%
HK$7,966
+HK$399/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,134/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$7,744
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$244/mo
Today · 4.125%
HK$8,229
baseline
▲ 0.50% · 4.625%
HK$8,730
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,458/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$8,615
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,846
−HK$234/mo
Today · 4.125%
HK$9,080
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,160/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$9,034
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,315
−HK$286/mo
Today · 4.125%
HK$9,601
baseline
▲ 0.50% · 4.625%
HK$10,185
+HK$584/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,202/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,050
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,320
−HK$273/mo
Today · 4.125%
HK$10,593
baseline
▲ 0.50% · 4.625%
HK$11,152
+HK$559/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,186/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,615
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,977
−HK$367/mo
Today · 4.125%
HK$12,344
baseline
▲ 0.50% · 4.625%
HK$13,095
+HK$751/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,688/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$12,922
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,269
−HK$351/mo
Today · 4.125%
HK$13,620
baseline
▲ 0.50% · 4.625%
HK$14,338
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,240/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).