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$6,574
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,779
−HK$208/mo
Today · 4.125%
HK$6,987
baseline
▲ 0.50% · 4.625%
HK$7,412
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,974/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$7,314
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$199/mo
Today · 4.125%
HK$7,709
baseline
▲ 0.50% · 4.625%
HK$8,115
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,418/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$7,889
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$249/mo
Today · 4.125%
HK$8,384
baseline
▲ 0.50% · 4.625%
HK$8,894
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,768/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$8,777
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$239/mo
Today · 4.125%
HK$9,251
baseline
▲ 0.50% · 4.625%
HK$9,739
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,502/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$9,204
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,490
−HK$291/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,376
+HK$595/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$19,562/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,240
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,514
−HK$279/mo
Today · 4.125%
HK$10,793
baseline
▲ 0.50% · 4.625%
HK$11,362
+HK$569/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,586/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,834
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,202
−HK$374/mo
Today · 4.125%
HK$12,576
baseline
▲ 0.50% · 4.625%
HK$13,341
+HK$765/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,152/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$13,165
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,518
−HK$358/mo
Today · 4.125%
HK$13,876
baseline
▲ 0.50% · 4.625%
HK$14,608
+HK$732/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,752/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).