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$6,545
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,748
−HK$207/mo
Today · 4.125%
HK$6,955
baseline
▲ 0.50% · 4.625%
HK$7,378
+HK$423/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,910/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$7,281
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,476
−HK$198/mo
Today · 4.125%
HK$7,674
baseline
▲ 0.50% · 4.625%
HK$8,079
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,348/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$7,854
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,098
−HK$248/mo
Today · 4.125%
HK$8,346
baseline
▲ 0.50% · 4.625%
HK$8,854
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,692/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$8,737
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,971
−HK$238/mo
Today · 4.125%
HK$9,209
baseline
▲ 0.50% · 4.625%
HK$9,694
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,418/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$9,162
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,447
−HK$290/mo
Today · 4.125%
HK$9,737
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$593/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$19,474/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,193
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$277/mo
Today · 4.125%
HK$10,744
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$566/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$21,488/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,780
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,147
−HK$372/mo
Today · 4.125%
HK$12,519
baseline
▲ 0.50% · 4.625%
HK$13,281
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,038/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,105
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,457
−HK$357/mo
Today · 4.125%
HK$13,814
baseline
▲ 0.50% · 4.625%
HK$14,542
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,628/mo (50% DSR)
Upfront cash ≈ HK$287K (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).