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$6,610
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,815
−HK$209/mo
Today · 4.125%
HK$7,024
baseline
▲ 0.50% · 4.625%
HK$7,452
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,048/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$7,353
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,550
−HK$200/mo
Today · 4.125%
HK$7,750
baseline
▲ 0.50% · 4.625%
HK$8,159
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,500/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$7,932
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,178
−HK$251/mo
Today · 4.125%
HK$8,429
baseline
▲ 0.50% · 4.625%
HK$8,942
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,858/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$8,824
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,060
−HK$241/mo
Today · 4.125%
HK$9,301
baseline
▲ 0.50% · 4.625%
HK$9,791
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,602/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$9,253
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,541
−HK$293/mo
Today · 4.125%
HK$9,834
baseline
▲ 0.50% · 4.625%
HK$10,432
+HK$598/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$19,668/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,294
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$280/mo
Today · 4.125%
HK$10,851
baseline
▲ 0.50% · 4.625%
HK$11,423
+HK$572/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$21,702/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,897
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,267
−HK$376/mo
Today · 4.125%
HK$12,643
baseline
▲ 0.50% · 4.625%
HK$13,413
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,286/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$13,236
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,591
−HK$360/mo
Today · 4.125%
HK$13,951
baseline
▲ 0.50% · 4.625%
HK$14,686
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,902/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).