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$6,616
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,822
−HK$209/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,459
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,062/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$7,361
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,558
−HK$200/mo
Today · 4.125%
HK$7,758
baseline
▲ 0.50% · 4.625%
HK$8,167
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,516/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$7,940
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,187
−HK$250/mo
Today · 4.125%
HK$8,437
baseline
▲ 0.50% · 4.625%
HK$8,951
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,874/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$8,833
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,070
−HK$240/mo
Today · 4.125%
HK$9,310
baseline
▲ 0.50% · 4.625%
HK$9,801
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,620/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$9,263
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,551
−HK$293/mo
Today · 4.125%
HK$9,844
baseline
▲ 0.50% · 4.625%
HK$10,443
+HK$599/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$19,688/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,305
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,581
−HK$281/mo
Today · 4.125%
HK$10,862
baseline
▲ 0.50% · 4.625%
HK$11,434
+HK$572/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$21,724/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,909
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$376/mo
Today · 4.125%
HK$12,656
baseline
▲ 0.50% · 4.625%
HK$13,426
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,312/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,249
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,604
−HK$361/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,701
+HK$736/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,930/mo (50% DSR)
Upfront cash ≈ HK$290K (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).