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$6,551
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,754
−HK$207/mo
Today · 4.125%
HK$6,961
baseline
▲ 0.50% · 4.625%
HK$7,385
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,922/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$7,288
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,483
−HK$198/mo
Today · 4.125%
HK$7,681
baseline
▲ 0.50% · 4.625%
HK$8,086
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,362/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$7,861
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,105
−HK$249/mo
Today · 4.125%
HK$8,354
baseline
▲ 0.50% · 4.625%
HK$8,862
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,708/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$8,745
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,980
−HK$237/mo
Today · 4.125%
HK$9,217
baseline
▲ 0.50% · 4.625%
HK$9,703
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,434/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$9,171
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,456
−HK$290/mo
Today · 4.125%
HK$9,746
baseline
▲ 0.50% · 4.625%
HK$10,339
+HK$593/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,492/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$10,203
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,476
−HK$278/mo
Today · 4.125%
HK$10,754
baseline
▲ 0.50% · 4.625%
HK$11,321
+HK$567/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,508/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$11,791
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,158
−HK$373/mo
Today · 4.125%
HK$12,531
baseline
▲ 0.50% · 4.625%
HK$13,293
+HK$762/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$25,062/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$13,118
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,469
−HK$357/mo
Today · 4.125%
HK$13,826
baseline
▲ 0.50% · 4.625%
HK$14,555
+HK$729/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$27,652/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).