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$6,586
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,791
−HK$208/mo
Today · 4.125%
HK$6,999
baseline
▲ 0.50% · 4.625%
HK$7,425
+HK$426/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,998/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$7,327
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,523
−HK$199/mo
Today · 4.125%
HK$7,722
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$408/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,444/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$7,903
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,149
−HK$250/mo
Today · 4.125%
HK$8,399
baseline
▲ 0.50% · 4.625%
HK$8,910
+HK$511/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,798/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$8,792
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,028
−HK$239/mo
Today · 4.125%
HK$9,267
baseline
▲ 0.50% · 4.625%
HK$9,755
+HK$488/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,534/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$9,220
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,507
−HK$291/mo
Today · 4.125%
HK$9,798
baseline
▲ 0.50% · 4.625%
HK$10,394
+HK$596/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$19,596/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,257
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,532
−HK$279/mo
Today · 4.125%
HK$10,811
baseline
▲ 0.50% · 4.625%
HK$11,381
+HK$570/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$21,622/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,854
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,223
−HK$375/mo
Today · 4.125%
HK$12,598
baseline
▲ 0.50% · 4.625%
HK$13,364
+HK$766/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,196/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$13,188
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,542
−HK$358/mo
Today · 4.125%
HK$13,900
baseline
▲ 0.50% · 4.625%
HK$14,633
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,800/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).