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$6,617
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,823
−HK$209/mo
Today · 4.125%
HK$7,032
baseline
▲ 0.50% · 4.625%
HK$7,460
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,064/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$7,362
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,559
−HK$200/mo
Today · 4.125%
HK$7,759
baseline
▲ 0.50% · 4.625%
HK$8,168
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,518/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$7,941
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$251/mo
Today · 4.125%
HK$8,439
baseline
▲ 0.50% · 4.625%
HK$8,952
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,878/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$8,834
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,071
−HK$240/mo
Today · 4.125%
HK$9,311
baseline
▲ 0.50% · 4.625%
HK$9,802
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,622/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$9,264
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,552
−HK$293/mo
Today · 4.125%
HK$9,845
baseline
▲ 0.50% · 4.625%
HK$10,444
+HK$599/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$19,690/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,306
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,583
−HK$280/mo
Today · 4.125%
HK$10,863
baseline
▲ 0.50% · 4.625%
HK$11,436
+HK$573/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$21,726/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,911
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,282
−HK$376/mo
Today · 4.125%
HK$12,658
baseline
▲ 0.50% · 4.625%
HK$13,428
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,316/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,251
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,606
−HK$361/mo
Today · 4.125%
HK$13,967
baseline
▲ 0.50% · 4.625%
HK$14,703
+HK$736/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,934/mo (50% DSR)
Upfront cash ≈ HK$290K (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).