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$6,584
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,789
−HK$208/mo
Today · 4.125%
HK$6,997
baseline
▲ 0.50% · 4.625%
HK$7,423
+HK$426/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,994/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$7,325
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,521
−HK$199/mo
Today · 4.125%
HK$7,720
baseline
▲ 0.50% · 4.625%
HK$8,127
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,440/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$7,901
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,147
−HK$249/mo
Today · 4.125%
HK$8,396
baseline
▲ 0.50% · 4.625%
HK$8,907
+HK$511/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,792/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$8,790
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,025
−HK$240/mo
Today · 4.125%
HK$9,265
baseline
▲ 0.50% · 4.625%
HK$9,753
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,530/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$9,218
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,504
−HK$292/mo
Today · 4.125%
HK$9,796
baseline
▲ 0.50% · 4.625%
HK$10,392
+HK$596/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$19,592/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,255
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,530
−HK$279/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,378
+HK$569/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$21,618/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,851
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,220
−HK$375/mo
Today · 4.125%
HK$12,595
baseline
▲ 0.50% · 4.625%
HK$13,361
+HK$766/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,190/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,185
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,538
−HK$359/mo
Today · 4.125%
HK$13,897
baseline
▲ 0.50% · 4.625%
HK$14,629
+HK$732/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,794/mo (50% DSR)
Upfront cash ≈ HK$289K (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).