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$6,615
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,820
−HK$209/mo
Today · 4.125%
HK$7,029
baseline
▲ 0.50% · 4.625%
HK$7,457
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,058/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$7,359
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,556
−HK$200/mo
Today · 4.125%
HK$7,756
baseline
▲ 0.50% · 4.625%
HK$8,165
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,512/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$7,938
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,185
−HK$250/mo
Today · 4.125%
HK$8,435
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,870/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$8,831
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$241/mo
Today · 4.125%
HK$9,308
baseline
▲ 0.50% · 4.625%
HK$9,798
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,616/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$9,261
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,549
−HK$292/mo
Today · 4.125%
HK$9,841
baseline
▲ 0.50% · 4.625%
HK$10,440
+HK$599/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$19,682/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$10,302
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$280/mo
Today · 4.125%
HK$10,859
baseline
▲ 0.50% · 4.625%
HK$11,431
+HK$572/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$21,718/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$11,906
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,277
−HK$376/mo
Today · 4.125%
HK$12,653
baseline
▲ 0.50% · 4.625%
HK$13,423
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,306/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$13,246
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,601
−HK$360/mo
Today · 4.125%
HK$13,961
baseline
▲ 0.50% · 4.625%
HK$14,697
+HK$736/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,922/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).