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$6,632
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,839
−HK$209/mo
Today · 4.125%
HK$7,048
baseline
▲ 0.50% · 4.625%
HK$7,477
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,096/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$7,378
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,576
−HK$201/mo
Today · 4.125%
HK$7,777
baseline
▲ 0.50% · 4.625%
HK$8,187
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,554/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$7,959
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,206
−HK$252/mo
Today · 4.125%
HK$8,458
baseline
▲ 0.50% · 4.625%
HK$8,973
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,916/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$8,854
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,092
−HK$240/mo
Today · 4.125%
HK$9,332
baseline
▲ 0.50% · 4.625%
HK$9,824
+HK$492/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,664/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$9,285
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,574
−HK$294/mo
Today · 4.125%
HK$9,868
baseline
▲ 0.50% · 4.625%
HK$10,468
+HK$600/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,736/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,330
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,607
−HK$281/mo
Today · 4.125%
HK$10,888
baseline
▲ 0.50% · 4.625%
HK$11,462
+HK$574/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,776/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,938
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,310
−HK$377/mo
Today · 4.125%
HK$12,687
baseline
▲ 0.50% · 4.625%
HK$13,459
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,374/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$13,281
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,637
−HK$362/mo
Today · 4.125%
HK$13,999
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$27,998/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).