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$6,597
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,802
−HK$208/mo
Today · 4.125%
HK$7,010
baseline
▲ 0.50% · 4.625%
HK$7,437
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,020/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$7,339
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,536
−HK$199/mo
Today · 4.125%
HK$7,735
baseline
▲ 0.50% · 4.625%
HK$8,143
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,470/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$7,916
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,162
−HK$250/mo
Today · 4.125%
HK$8,412
baseline
▲ 0.50% · 4.625%
HK$8,924
+HK$512/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,824/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$8,806
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,043
−HK$239/mo
Today · 4.125%
HK$9,282
baseline
▲ 0.50% · 4.625%
HK$9,772
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,564/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$9,235
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,523
−HK$291/mo
Today · 4.125%
HK$9,814
baseline
▲ 0.50% · 4.625%
HK$10,412
+HK$598/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$19,628/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,274
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,550
−HK$279/mo
Today · 4.125%
HK$10,829
baseline
▲ 0.50% · 4.625%
HK$11,400
+HK$571/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$21,658/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,874
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,243
−HK$376/mo
Today · 4.125%
HK$12,619
baseline
▲ 0.50% · 4.625%
HK$13,386
+HK$767/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,238/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,210
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,564
−HK$359/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,657
+HK$734/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,846/mo (50% DSR)
Upfront cash ≈ HK$289K (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).