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$6,597
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,802
−HK$209/mo
Today · 4.125%
HK$7,011
baseline
▲ 0.50% · 4.625%
HK$7,437
+HK$426/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,022/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$7,339
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,536
−HK$199/mo
Today · 4.125%
HK$7,735
baseline
▲ 0.50% · 4.625%
HK$8,143
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,470/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$7,916
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,162
−HK$251/mo
Today · 4.125%
HK$8,413
baseline
▲ 0.50% · 4.625%
HK$8,925
+HK$512/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,826/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$8,807
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,043
−HK$240/mo
Today · 4.125%
HK$9,283
baseline
▲ 0.50% · 4.625%
HK$9,772
+HK$489/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,566/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$9,236
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,523
−HK$292/mo
Today · 4.125%
HK$9,815
baseline
▲ 0.50% · 4.625%
HK$10,412
+HK$597/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$19,630/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,274
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,550
−HK$280/mo
Today · 4.125%
HK$10,830
baseline
▲ 0.50% · 4.625%
HK$11,400
+HK$570/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$21,660/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,874
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,244
−HK$375/mo
Today · 4.125%
HK$12,619
baseline
▲ 0.50% · 4.625%
HK$13,387
+HK$768/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,238/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,210
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,564
−HK$360/mo
Today · 4.125%
HK$13,924
baseline
▲ 0.50% · 4.625%
HK$14,658
+HK$734/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,848/mo (50% DSR)
Upfront cash ≈ HK$289K (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).