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$6,560
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,764
−HK$207/mo
Today · 4.125%
HK$6,971
baseline
▲ 0.50% · 4.625%
HK$7,395
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,942/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$7,298
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,494
−HK$198/mo
Today · 4.125%
HK$7,692
baseline
▲ 0.50% · 4.625%
HK$8,098
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,384/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$7,872
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,117
−HK$249/mo
Today · 4.125%
HK$8,366
baseline
▲ 0.50% · 4.625%
HK$8,875
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,732/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$8,757
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$239/mo
Today · 4.125%
HK$9,231
baseline
▲ 0.50% · 4.625%
HK$9,717
+HK$486/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,462/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$9,184
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,470
−HK$290/mo
Today · 4.125%
HK$9,760
baseline
▲ 0.50% · 4.625%
HK$10,354
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,520/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$10,217
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,491
−HK$278/mo
Today · 4.125%
HK$10,769
baseline
▲ 0.50% · 4.625%
HK$11,337
+HK$568/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,538/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$11,808
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$373/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,312
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,096/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$13,136
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$358/mo
Today · 4.125%
HK$13,846
baseline
▲ 0.50% · 4.625%
HK$14,576
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,692/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).