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$6,559
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,763
−HK$208/mo
Today · 4.125%
HK$6,971
baseline
▲ 0.50% · 4.625%
HK$7,395
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,942/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$7,297
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,493
−HK$199/mo
Today · 4.125%
HK$7,692
baseline
▲ 0.50% · 4.625%
HK$8,097
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,384/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$7,871
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,116
−HK$249/mo
Today · 4.125%
HK$8,365
baseline
▲ 0.50% · 4.625%
HK$8,874
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,730/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$8,757
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$238/mo
Today · 4.125%
HK$9,230
baseline
▲ 0.50% · 4.625%
HK$9,716
+HK$486/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,460/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$9,183
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,469
−HK$290/mo
Today · 4.125%
HK$9,759
baseline
▲ 0.50% · 4.625%
HK$10,353
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,518/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,216
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,490
−HK$278/mo
Today · 4.125%
HK$10,768
baseline
▲ 0.50% · 4.625%
HK$11,336
+HK$568/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,536/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,807
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,174
−HK$373/mo
Today · 4.125%
HK$12,547
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,094/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$13,135
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,487
−HK$358/mo
Today · 4.125%
HK$13,845
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$729/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,690/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).