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$6,564
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,768
−HK$207/mo
Today · 4.125%
HK$6,975
baseline
▲ 0.50% · 4.625%
HK$7,400
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,950/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$7,302
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,498
−HK$199/mo
Today · 4.125%
HK$7,697
baseline
▲ 0.50% · 4.625%
HK$8,102
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,394/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$7,877
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,122
−HK$249/mo
Today · 4.125%
HK$8,371
baseline
▲ 0.50% · 4.625%
HK$8,880
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,742/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$8,763
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$238/mo
Today · 4.125%
HK$9,236
baseline
▲ 0.50% · 4.625%
HK$9,723
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,472/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$9,189
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,475
−HK$291/mo
Today · 4.125%
HK$9,766
baseline
▲ 0.50% · 4.625%
HK$10,360
+HK$594/mo
Deposit HK$864K · loan HK$2.01M · min. income ≈ HK$19,532/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,223
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,497
−HK$278/mo
Today · 4.125%
HK$10,775
baseline
▲ 0.50% · 4.625%
HK$11,343
+HK$568/mo
Deposit HK$864K · loan HK$2.01M · min. income ≈ HK$21,550/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,815
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,182
−HK$374/mo
Today · 4.125%
HK$12,556
baseline
▲ 0.50% · 4.625%
HK$13,320
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,112/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,144
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,497
−HK$357/mo
Today · 4.125%
HK$13,854
baseline
▲ 0.50% · 4.625%
HK$14,584
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,708/mo (50% DSR)
Upfront cash ≈ HK$288K (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).