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$6,558
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,762
−HK$208/mo
Today · 4.125%
HK$6,970
baseline
▲ 0.50% · 4.625%
HK$7,394
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,940/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,296
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,492
−HK$198/mo
Today · 4.125%
HK$7,690
baseline
▲ 0.50% · 4.625%
HK$8,096
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,380/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,870
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,115
−HK$249/mo
Today · 4.125%
HK$8,364
baseline
▲ 0.50% · 4.625%
HK$8,872
+HK$508/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,728/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,755
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,990
−HK$238/mo
Today · 4.125%
HK$9,228
baseline
▲ 0.50% · 4.625%
HK$9,715
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,456/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,182
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,467
−HK$290/mo
Today · 4.125%
HK$9,757
baseline
▲ 0.50% · 4.625%
HK$10,351
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,514/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,215
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,488
−HK$278/mo
Today · 4.125%
HK$10,766
baseline
▲ 0.50% · 4.625%
HK$11,334
+HK$568/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,532/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,805
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,172
−HK$373/mo
Today · 4.125%
HK$12,545
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,090/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,133
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,485
−HK$357/mo
Today · 4.125%
HK$13,842
baseline
▲ 0.50% · 4.625%
HK$14,572
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,684/mo (50% DSR)
Upfront cash ≈ HK$288K (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).