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$6,555
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,759
−HK$207/mo
Today · 4.125%
HK$6,966
baseline
▲ 0.50% · 4.625%
HK$7,390
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,932/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$7,292
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,488
−HK$198/mo
Today · 4.125%
HK$7,686
baseline
▲ 0.50% · 4.625%
HK$8,091
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,372/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$7,866
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,111
−HK$248/mo
Today · 4.125%
HK$8,359
baseline
▲ 0.50% · 4.625%
HK$8,868
+HK$509/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,718/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$8,751
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,985
−HK$238/mo
Today · 4.125%
HK$9,223
baseline
▲ 0.50% · 4.625%
HK$9,710
+HK$487/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,446/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$9,177
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$290/mo
Today · 4.125%
HK$9,752
baseline
▲ 0.50% · 4.625%
HK$10,346
+HK$594/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,504/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,209
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,483
−HK$278/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$567/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,522/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,799
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,166
−HK$373/mo
Today · 4.125%
HK$12,539
baseline
▲ 0.50% · 4.625%
HK$13,302
+HK$763/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$25,078/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$13,126
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$357/mo
Today · 4.125%
HK$13,835
baseline
▲ 0.50% · 4.625%
HK$14,565
+HK$730/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$27,670/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).