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$6,578
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,782
−HK$208/mo
Today · 4.125%
HK$6,990
baseline
▲ 0.50% · 4.625%
HK$7,416
+HK$426/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,980/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$7,318
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,514
−HK$199/mo
Today · 4.125%
HK$7,713
baseline
▲ 0.50% · 4.625%
HK$8,120
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,426/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$7,893
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,139
−HK$249/mo
Today · 4.125%
HK$8,388
baseline
▲ 0.50% · 4.625%
HK$8,899
+HK$511/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,776/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$8,781
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,017
−HK$239/mo
Today · 4.125%
HK$9,256
baseline
▲ 0.50% · 4.625%
HK$9,744
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,512/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$9,209
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$291/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,382
+HK$596/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$19,572/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,245
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,520
−HK$278/mo
Today · 4.125%
HK$10,798
baseline
▲ 0.50% · 4.625%
HK$11,368
+HK$570/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,596/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,840
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$375/mo
Today · 4.125%
HK$12,583
baseline
▲ 0.50% · 4.625%
HK$13,348
+HK$765/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$25,166/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$13,172
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,525
−HK$359/mo
Today · 4.125%
HK$13,884
baseline
▲ 0.50% · 4.625%
HK$14,615
+HK$731/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$27,768/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).