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$6,619
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,825
−HK$209/mo
Today · 4.125%
HK$7,034
baseline
▲ 0.50% · 4.625%
HK$7,462
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,068/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,363
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,561
−HK$200/mo
Today · 4.125%
HK$7,761
baseline
▲ 0.50% · 4.625%
HK$8,170
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,522/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,943
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,190
−HK$251/mo
Today · 4.125%
HK$8,441
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,882/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,836
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$240/mo
Today · 4.125%
HK$9,313
baseline
▲ 0.50% · 4.625%
HK$9,804
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,626/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,266
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,555
−HK$292/mo
Today · 4.125%
HK$9,847
baseline
▲ 0.50% · 4.625%
HK$10,447
+HK$600/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$19,694/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,309
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,585
−HK$281/mo
Today · 4.125%
HK$10,866
baseline
▲ 0.50% · 4.625%
HK$11,438
+HK$572/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$21,732/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,914
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$376/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,431
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,322/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,254
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,610
−HK$360/mo
Today · 4.125%
HK$13,970
baseline
▲ 0.50% · 4.625%
HK$14,707
+HK$737/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,940/mo (50% DSR)
Upfront cash ≈ HK$290K (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).