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$6,635
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,841
−HK$210/mo
Today · 4.125%
HK$7,051
baseline
▲ 0.50% · 4.625%
HK$7,480
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,102/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$7,381
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,579
−HK$201/mo
Today · 4.125%
HK$7,780
baseline
▲ 0.50% · 4.625%
HK$8,190
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,560/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$7,962
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,209
−HK$252/mo
Today · 4.125%
HK$8,461
baseline
▲ 0.50% · 4.625%
HK$8,976
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,922/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$8,857
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,095
−HK$241/mo
Today · 4.125%
HK$9,336
baseline
▲ 0.50% · 4.625%
HK$9,828
+HK$492/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,672/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$9,289
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,578
−HK$293/mo
Today · 4.125%
HK$9,871
baseline
▲ 0.50% · 4.625%
HK$10,472
+HK$601/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,742/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,333
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,611
−HK$281/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,466
+HK$574/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,784/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,942
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,314
−HK$377/mo
Today · 4.125%
HK$12,691
baseline
▲ 0.50% · 4.625%
HK$13,464
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,382/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,286
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,642
−HK$362/mo
Today · 4.125%
HK$14,004
baseline
▲ 0.50% · 4.625%
HK$14,742
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,008/mo (50% DSR)
Upfront cash ≈ HK$291K (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).