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$6,587
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,792
−HK$208/mo
Today · 4.125%
HK$7,000
baseline
▲ 0.50% · 4.625%
HK$7,426
+HK$426/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$14,000/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$7,328
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,525
−HK$199/mo
Today · 4.125%
HK$7,724
baseline
▲ 0.50% · 4.625%
HK$8,131
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,448/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$7,905
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,151
−HK$249/mo
Today · 4.125%
HK$8,400
baseline
▲ 0.50% · 4.625%
HK$8,912
+HK$512/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,800/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$8,794
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,030
−HK$239/mo
Today · 4.125%
HK$9,269
baseline
▲ 0.50% · 4.625%
HK$9,758
+HK$489/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,538/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$9,222
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,509
−HK$292/mo
Today · 4.125%
HK$9,801
baseline
▲ 0.50% · 4.625%
HK$10,397
+HK$596/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$19,602/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,260
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,535
−HK$279/mo
Today · 4.125%
HK$10,814
baseline
▲ 0.50% · 4.625%
HK$11,384
+HK$570/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$21,628/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,857
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,226
−HK$375/mo
Today · 4.125%
HK$12,601
baseline
▲ 0.50% · 4.625%
HK$13,367
+HK$766/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,202/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$13,191
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,545
−HK$359/mo
Today · 4.125%
HK$13,904
baseline
▲ 0.50% · 4.625%
HK$14,636
+HK$732/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,808/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).