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$6,548
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,752
−HK$207/mo
Today · 4.125%
HK$6,959
baseline
▲ 0.50% · 4.625%
HK$7,382
+HK$423/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,918/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$7,285
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,480
−HK$199/mo
Today · 4.125%
HK$7,679
baseline
▲ 0.50% · 4.625%
HK$8,083
+HK$404/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,358/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$7,858
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,102
−HK$249/mo
Today · 4.125%
HK$8,351
baseline
▲ 0.50% · 4.625%
HK$8,859
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,702/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$8,742
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,976
−HK$238/mo
Today · 4.125%
HK$9,214
baseline
▲ 0.50% · 4.625%
HK$9,700
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,428/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$9,168
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,453
−HK$290/mo
Today · 4.125%
HK$9,743
baseline
▲ 0.50% · 4.625%
HK$10,335
+HK$592/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,486/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$10,199
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,472
−HK$278/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,317
+HK$567/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,500/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$11,787
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,154
−HK$372/mo
Today · 4.125%
HK$12,526
baseline
▲ 0.50% · 4.625%
HK$13,288
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,052/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,113
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,465
−HK$356/mo
Today · 4.125%
HK$13,821
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$729/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,642/mo (50% DSR)
Upfront cash ≈ HK$287K (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).