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$6,627
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,834
−HK$209/mo
Today · 4.125%
HK$7,043
baseline
▲ 0.50% · 4.625%
HK$7,472
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,086/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$7,373
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,571
−HK$200/mo
Today · 4.125%
HK$7,771
baseline
▲ 0.50% · 4.625%
HK$8,181
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,542/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$7,953
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,200
−HK$252/mo
Today · 4.125%
HK$8,452
baseline
▲ 0.50% · 4.625%
HK$8,966
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,904/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$8,847
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,085
−HK$240/mo
Today · 4.125%
HK$9,325
baseline
▲ 0.50% · 4.625%
HK$9,817
+HK$492/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,650/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$9,278
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$293/mo
Today · 4.125%
HK$9,860
baseline
▲ 0.50% · 4.625%
HK$10,460
+HK$600/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$19,720/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,322
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,599
−HK$281/mo
Today · 4.125%
HK$10,880
baseline
▲ 0.50% · 4.625%
HK$11,453
+HK$573/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$21,760/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,929
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,300
−HK$377/mo
Today · 4.125%
HK$12,677
baseline
▲ 0.50% · 4.625%
HK$13,449
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,354/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$13,271
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,627
−HK$361/mo
Today · 4.125%
HK$13,988
baseline
▲ 0.50% · 4.625%
HK$14,726
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$27,976/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).