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$6,594
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,800
−HK$208/mo
Today · 4.125%
HK$7,008
baseline
▲ 0.50% · 4.625%
HK$7,434
+HK$426/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,016/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$7,336
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,533
−HK$200/mo
Today · 4.125%
HK$7,733
baseline
▲ 0.50% · 4.625%
HK$8,140
+HK$407/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,466/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$7,913
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,159
−HK$251/mo
Today · 4.125%
HK$8,410
baseline
▲ 0.50% · 4.625%
HK$8,921
+HK$511/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,820/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$8,804
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,040
−HK$239/mo
Today · 4.125%
HK$9,279
baseline
▲ 0.50% · 4.625%
HK$9,768
+HK$489/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,558/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$9,232
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,519
−HK$292/mo
Today · 4.125%
HK$9,811
baseline
▲ 0.50% · 4.625%
HK$10,408
+HK$597/mo
Deposit HK$868K · loan HK$2.02M · min. income ≈ HK$19,622/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,271
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,546
−HK$280/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,396
+HK$570/mo
Deposit HK$868K · loan HK$2.02M · min. income ≈ HK$21,652/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,870
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,239
−HK$375/mo
Today · 4.125%
HK$12,614
baseline
▲ 0.50% · 4.625%
HK$13,382
+HK$768/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,228/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$13,205
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,559
−HK$360/mo
Today · 4.125%
HK$13,919
baseline
▲ 0.50% · 4.625%
HK$14,652
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,838/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).