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$6,611
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,817
−HK$209/mo
Today · 4.125%
HK$7,026
baseline
▲ 0.50% · 4.625%
HK$7,453
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,052/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$7,355
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,552
−HK$200/mo
Today · 4.125%
HK$7,752
baseline
▲ 0.50% · 4.625%
HK$8,161
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,504/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$7,933
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,180
−HK$251/mo
Today · 4.125%
HK$8,431
baseline
▲ 0.50% · 4.625%
HK$8,944
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,862/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$8,826
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,062
−HK$241/mo
Today · 4.125%
HK$9,303
baseline
▲ 0.50% · 4.625%
HK$9,793
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,606/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$9,255
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,543
−HK$293/mo
Today · 4.125%
HK$9,836
baseline
▲ 0.50% · 4.625%
HK$10,434
+HK$598/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$19,672/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,297
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,573
−HK$280/mo
Today · 4.125%
HK$10,853
baseline
▲ 0.50% · 4.625%
HK$11,425
+HK$572/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$21,706/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,900
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,270
−HK$376/mo
Today · 4.125%
HK$12,646
baseline
▲ 0.50% · 4.625%
HK$13,416
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,292/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$13,239
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,594
−HK$360/mo
Today · 4.125%
HK$13,954
baseline
▲ 0.50% · 4.625%
HK$14,689
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,908/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).