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$6,604
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,809
−HK$209/mo
Today · 4.125%
HK$7,018
baseline
▲ 0.50% · 4.625%
HK$7,445
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,036/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$7,347
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,544
−HK$199/mo
Today · 4.125%
HK$7,743
baseline
▲ 0.50% · 4.625%
HK$8,152
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,486/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$7,924
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,171
−HK$250/mo
Today · 4.125%
HK$8,421
baseline
▲ 0.50% · 4.625%
HK$8,934
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,842/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$8,816
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,052
−HK$240/mo
Today · 4.125%
HK$9,292
baseline
▲ 0.50% · 4.625%
HK$9,782
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,584/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$9,245
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,533
−HK$292/mo
Today · 4.125%
HK$9,825
baseline
▲ 0.50% · 4.625%
HK$10,423
+HK$598/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,650/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,285
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,561
−HK$280/mo
Today · 4.125%
HK$10,841
baseline
▲ 0.50% · 4.625%
HK$11,412
+HK$571/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$21,682/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,887
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,256
−HK$376/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,401
+HK$769/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,264/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$13,224
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$360/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,673
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,876/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).