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$6,574
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,778
−HK$208/mo
Today · 4.125%
HK$6,986
baseline
▲ 0.50% · 4.625%
HK$7,411
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,972/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$7,313
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,509
−HK$199/mo
Today · 4.125%
HK$7,708
baseline
▲ 0.50% · 4.625%
HK$8,115
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,416/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$7,888
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,134
−HK$249/mo
Today · 4.125%
HK$8,383
baseline
▲ 0.50% · 4.625%
HK$8,893
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,766/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$8,776
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,011
−HK$239/mo
Today · 4.125%
HK$9,250
baseline
▲ 0.50% · 4.625%
HK$9,738
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,500/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$9,203
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$291/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,375
+HK$595/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$19,560/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,238
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$279/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,360
+HK$568/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,584/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,833
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,201
−HK$374/mo
Today · 4.125%
HK$12,575
baseline
▲ 0.50% · 4.625%
HK$13,340
+HK$765/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,150/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$13,164
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,517
−HK$358/mo
Today · 4.125%
HK$13,875
baseline
▲ 0.50% · 4.625%
HK$14,606
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,750/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).