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$6,613
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,819
−HK$209/mo
Today · 4.125%
HK$7,028
baseline
▲ 0.50% · 4.625%
HK$7,455
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,056/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$7,357
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,554
−HK$201/mo
Today · 4.125%
HK$7,755
baseline
▲ 0.50% · 4.625%
HK$8,163
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,510/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$7,936
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$250/mo
Today · 4.125%
HK$8,433
baseline
▲ 0.50% · 4.625%
HK$8,947
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,866/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$8,828
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,065
−HK$240/mo
Today · 4.125%
HK$9,305
baseline
▲ 0.50% · 4.625%
HK$9,796
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,610/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$9,258
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,546
−HK$293/mo
Today · 4.125%
HK$9,839
baseline
▲ 0.50% · 4.625%
HK$10,438
+HK$599/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$19,678/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,300
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,576
−HK$280/mo
Today · 4.125%
HK$10,856
baseline
▲ 0.50% · 4.625%
HK$11,429
+HK$573/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$21,712/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,904
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,274
−HK$376/mo
Today · 4.125%
HK$12,650
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,300/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,243
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,598
−HK$360/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,694
+HK$736/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,916/mo (50% DSR)
Upfront cash ≈ HK$290K (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).