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$6,546
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,749
−HK$207/mo
Today · 4.125%
HK$6,956
baseline
▲ 0.50% · 4.625%
HK$7,379
+HK$423/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,912/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$7,282
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,477
−HK$198/mo
Today · 4.125%
HK$7,675
baseline
▲ 0.50% · 4.625%
HK$8,080
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,350/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$7,855
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,099
−HK$248/mo
Today · 4.125%
HK$8,347
baseline
▲ 0.50% · 4.625%
HK$8,855
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,694/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$8,738
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,973
−HK$237/mo
Today · 4.125%
HK$9,210
baseline
▲ 0.50% · 4.625%
HK$9,696
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,420/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$9,164
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,449
−HK$290/mo
Today · 4.125%
HK$9,739
baseline
▲ 0.50% · 4.625%
HK$10,331
+HK$592/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$19,478/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,195
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,468
−HK$278/mo
Today · 4.125%
HK$10,746
baseline
▲ 0.50% · 4.625%
HK$11,312
+HK$566/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$21,492/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,782
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,149
−HK$372/mo
Today · 4.125%
HK$12,521
baseline
▲ 0.50% · 4.625%
HK$13,283
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,042/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,108
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,459
−HK$357/mo
Today · 4.125%
HK$13,816
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,632/mo (50% DSR)
Upfront cash ≈ HK$287K (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).