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$6,623
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,829
−HK$209/mo
Today · 4.125%
HK$7,038
baseline
▲ 0.50% · 4.625%
HK$7,466
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,076/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$7,368
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$200/mo
Today · 4.125%
HK$7,766
baseline
▲ 0.50% · 4.625%
HK$8,175
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,532/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$7,947
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,195
−HK$251/mo
Today · 4.125%
HK$8,446
baseline
▲ 0.50% · 4.625%
HK$8,960
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,892/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$8,842
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,079
−HK$240/mo
Today · 4.125%
HK$9,319
baseline
▲ 0.50% · 4.625%
HK$9,810
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,638/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$9,272
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$294/mo
Today · 4.125%
HK$9,854
baseline
▲ 0.50% · 4.625%
HK$10,453
+HK$599/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$19,708/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,315
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,592
−HK$280/mo
Today · 4.125%
HK$10,872
baseline
▲ 0.50% · 4.625%
HK$11,445
+HK$573/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$21,744/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,921
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,292
−HK$377/mo
Today · 4.125%
HK$12,669
baseline
▲ 0.50% · 4.625%
HK$13,440
+HK$771/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,338/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,262
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,618
−HK$361/mo
Today · 4.125%
HK$13,979
baseline
▲ 0.50% · 4.625%
HK$14,716
+HK$737/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,958/mo (50% DSR)
Upfront cash ≈ HK$291K (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).