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$6,551
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,755
−HK$207/mo
Today · 4.125%
HK$6,962
baseline
▲ 0.50% · 4.625%
HK$7,386
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,924/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$7,288
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,484
−HK$198/mo
Today · 4.125%
HK$7,682
baseline
▲ 0.50% · 4.625%
HK$8,087
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,364/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$7,861
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,106
−HK$248/mo
Today · 4.125%
HK$8,354
baseline
▲ 0.50% · 4.625%
HK$8,863
+HK$509/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,708/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$8,746
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,980
−HK$238/mo
Today · 4.125%
HK$9,218
baseline
▲ 0.50% · 4.625%
HK$9,704
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,436/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$9,172
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,457
−HK$290/mo
Today · 4.125%
HK$9,747
baseline
▲ 0.50% · 4.625%
HK$10,340
+HK$593/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,494/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,203
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,477
−HK$278/mo
Today · 4.125%
HK$10,755
baseline
▲ 0.50% · 4.625%
HK$11,321
+HK$566/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,510/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,792
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$373/mo
Today · 4.125%
HK$12,532
baseline
▲ 0.50% · 4.625%
HK$13,294
+HK$762/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$25,064/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$13,119
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,470
−HK$357/mo
Today · 4.125%
HK$13,827
baseline
▲ 0.50% · 4.625%
HK$14,556
+HK$729/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$27,654/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).