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$6,556
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,760
−HK$207/mo
Today · 4.125%
HK$6,967
baseline
▲ 0.50% · 4.625%
HK$7,391
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,934/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$7,293
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,489
−HK$198/mo
Today · 4.125%
HK$7,687
baseline
▲ 0.50% · 4.625%
HK$8,092
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,374/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$7,867
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,112
−HK$248/mo
Today · 4.125%
HK$8,360
baseline
▲ 0.50% · 4.625%
HK$8,869
+HK$509/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,720/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$8,752
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,987
−HK$238/mo
Today · 4.125%
HK$9,225
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,450/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$9,178
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,463
−HK$291/mo
Today · 4.125%
HK$9,754
baseline
▲ 0.50% · 4.625%
HK$10,347
+HK$593/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,508/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,210
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,484
−HK$278/mo
Today · 4.125%
HK$10,762
baseline
▲ 0.50% · 4.625%
HK$11,329
+HK$567/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,524/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,800
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,167
−HK$373/mo
Today · 4.125%
HK$12,540
baseline
▲ 0.50% · 4.625%
HK$13,303
+HK$763/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$25,080/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,128
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,480
−HK$357/mo
Today · 4.125%
HK$13,837
baseline
▲ 0.50% · 4.625%
HK$14,566
+HK$729/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$27,674/mo (50% DSR)
Upfront cash ≈ HK$288K (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).