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$6,577
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,782
−HK$208/mo
Today · 4.125%
HK$6,990
baseline
▲ 0.50% · 4.625%
HK$7,415
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,980/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$7,317
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$199/mo
Today · 4.125%
HK$7,712
baseline
▲ 0.50% · 4.625%
HK$8,119
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,424/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$7,893
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,138
−HK$250/mo
Today · 4.125%
HK$8,388
baseline
▲ 0.50% · 4.625%
HK$8,898
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,776/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$8,781
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,016
−HK$239/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,743
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,510/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$9,208
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$291/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,381
+HK$595/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$19,572/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,244
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$278/mo
Today · 4.125%
HK$10,797
baseline
▲ 0.50% · 4.625%
HK$11,367
+HK$570/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,594/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,839
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,207
−HK$375/mo
Today · 4.125%
HK$12,582
baseline
▲ 0.50% · 4.625%
HK$13,347
+HK$765/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$25,164/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$13,171
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$358/mo
Today · 4.125%
HK$13,882
baseline
▲ 0.50% · 4.625%
HK$14,614
+HK$732/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$27,764/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).