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$6,561
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,765
−HK$208/mo
Today · 4.125%
HK$6,973
baseline
▲ 0.50% · 4.625%
HK$7,397
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,946/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$7,299
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$199/mo
Today · 4.125%
HK$7,694
baseline
▲ 0.50% · 4.625%
HK$8,099
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,388/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$7,874
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$248/mo
Today · 4.125%
HK$8,367
baseline
▲ 0.50% · 4.625%
HK$8,876
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,734/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$8,759
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,994
−HK$239/mo
Today · 4.125%
HK$9,233
baseline
▲ 0.50% · 4.625%
HK$9,719
+HK$486/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,466/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$9,186
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,472
−HK$290/mo
Today · 4.125%
HK$9,762
baseline
▲ 0.50% · 4.625%
HK$10,356
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,524/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,219
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,493
−HK$278/mo
Today · 4.125%
HK$10,771
baseline
▲ 0.50% · 4.625%
HK$11,339
+HK$568/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,542/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,810
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,178
−HK$373/mo
Today · 4.125%
HK$12,551
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,102/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,139
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$358/mo
Today · 4.125%
HK$13,849
baseline
▲ 0.50% · 4.625%
HK$14,579
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,698/mo (50% DSR)
Upfront cash ≈ HK$288K (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).