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$6,592
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,797
−HK$208/mo
Today · 4.125%
HK$7,005
baseline
▲ 0.50% · 4.625%
HK$7,431
+HK$426/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,010/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$7,333
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,530
−HK$199/mo
Today · 4.125%
HK$7,729
baseline
▲ 0.50% · 4.625%
HK$8,137
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,458/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$7,910
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,156
−HK$250/mo
Today · 4.125%
HK$8,406
baseline
▲ 0.50% · 4.625%
HK$8,918
+HK$512/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,812/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$8,800
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,036
−HK$239/mo
Today · 4.125%
HK$9,275
baseline
▲ 0.50% · 4.625%
HK$9,764
+HK$489/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,550/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$9,228
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,515
−HK$292/mo
Today · 4.125%
HK$9,807
baseline
▲ 0.50% · 4.625%
HK$10,404
+HK$597/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$19,614/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$10,266
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,542
−HK$279/mo
Today · 4.125%
HK$10,821
baseline
▲ 0.50% · 4.625%
HK$11,392
+HK$571/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$21,642/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$11,865
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,234
−HK$375/mo
Today · 4.125%
HK$12,609
baseline
▲ 0.50% · 4.625%
HK$13,376
+HK$767/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,218/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$13,200
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,554
−HK$359/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,646
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,826/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).