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$6,634
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$210/mo
Today · 4.125%
HK$7,050
baseline
▲ 0.50% · 4.625%
HK$7,479
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,100/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$7,380
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,578
−HK$201/mo
Today · 4.125%
HK$7,779
baseline
▲ 0.50% · 4.625%
HK$8,189
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,558/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$7,961
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,208
−HK$252/mo
Today · 4.125%
HK$8,460
baseline
▲ 0.50% · 4.625%
HK$8,975
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,920/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$8,856
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,094
−HK$241/mo
Today · 4.125%
HK$9,335
baseline
▲ 0.50% · 4.625%
HK$9,827
+HK$492/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,670/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$9,288
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,577
−HK$293/mo
Today · 4.125%
HK$9,870
baseline
▲ 0.50% · 4.625%
HK$10,471
+HK$601/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,740/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,332
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,609
−HK$282/mo
Today · 4.125%
HK$10,891
baseline
▲ 0.50% · 4.625%
HK$11,465
+HK$574/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,782/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,941
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,313
−HK$377/mo
Today · 4.125%
HK$12,690
baseline
▲ 0.50% · 4.625%
HK$13,462
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,380/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$13,284
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,641
−HK$361/mo
Today · 4.125%
HK$14,002
baseline
▲ 0.50% · 4.625%
HK$14,740
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,004/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).