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$6,586
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,791
−HK$209/mo
Today · 4.125%
HK$7,000
baseline
▲ 0.50% · 4.625%
HK$7,425
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$14,000/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$7,327
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,524
−HK$199/mo
Today · 4.125%
HK$7,723
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,446/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$7,904
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,150
−HK$249/mo
Today · 4.125%
HK$8,399
baseline
▲ 0.50% · 4.625%
HK$8,910
+HK$511/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,798/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$8,793
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,029
−HK$239/mo
Today · 4.125%
HK$9,268
baseline
▲ 0.50% · 4.625%
HK$9,756
+HK$488/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,536/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$9,221
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,508
−HK$291/mo
Today · 4.125%
HK$9,799
baseline
▲ 0.50% · 4.625%
HK$10,396
+HK$597/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$19,598/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,258
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,533
−HK$280/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,383
+HK$570/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$21,626/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,856
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,224
−HK$375/mo
Today · 4.125%
HK$12,599
baseline
▲ 0.50% · 4.625%
HK$13,366
+HK$767/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,198/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$13,189
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,543
−HK$359/mo
Today · 4.125%
HK$13,902
baseline
▲ 0.50% · 4.625%
HK$14,635
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,804/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).