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$6,568
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,772
−HK$208/mo
Today · 4.125%
HK$6,980
baseline
▲ 0.50% · 4.625%
HK$7,404
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,960/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$7,306
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,502
−HK$199/mo
Today · 4.125%
HK$7,701
baseline
▲ 0.50% · 4.625%
HK$8,107
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,402/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$7,881
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,126
−HK$249/mo
Today · 4.125%
HK$8,375
baseline
▲ 0.50% · 4.625%
HK$8,885
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,750/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$8,768
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,003
−HK$238/mo
Today · 4.125%
HK$9,241
baseline
▲ 0.50% · 4.625%
HK$9,729
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,482/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$9,195
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,481
−HK$290/mo
Today · 4.125%
HK$9,771
baseline
▲ 0.50% · 4.625%
HK$10,366
+HK$595/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,542/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,229
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,503
−HK$279/mo
Today · 4.125%
HK$10,782
baseline
▲ 0.50% · 4.625%
HK$11,350
+HK$568/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,564/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,822
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,189
−HK$374/mo
Today · 4.125%
HK$12,563
baseline
▲ 0.50% · 4.625%
HK$13,328
+HK$765/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,126/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$13,152
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$358/mo
Today · 4.125%
HK$13,862
baseline
▲ 0.50% · 4.625%
HK$14,593
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,724/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).