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$6,628
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,835
−HK$209/mo
Today · 4.125%
HK$7,044
baseline
▲ 0.50% · 4.625%
HK$7,473
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,088/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$7,374
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,572
−HK$200/mo
Today · 4.125%
HK$7,772
baseline
▲ 0.50% · 4.625%
HK$8,182
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,544/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$7,954
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,202
−HK$251/mo
Today · 4.125%
HK$8,453
baseline
▲ 0.50% · 4.625%
HK$8,967
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,906/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$8,849
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,086
−HK$241/mo
Today · 4.125%
HK$9,327
baseline
▲ 0.50% · 4.625%
HK$9,819
+HK$492/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,654/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$9,280
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,568
−HK$294/mo
Today · 4.125%
HK$9,862
baseline
▲ 0.50% · 4.625%
HK$10,462
+HK$600/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$19,724/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,324
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,601
−HK$280/mo
Today · 4.125%
HK$10,881
baseline
▲ 0.50% · 4.625%
HK$11,455
+HK$574/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$21,762/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,931
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,302
−HK$377/mo
Today · 4.125%
HK$12,679
baseline
▲ 0.50% · 4.625%
HK$13,451
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,358/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$13,273
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,629
−HK$361/mo
Today · 4.125%
HK$13,990
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$27,980/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).