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$6,601
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,807
−HK$208/mo
Today · 4.125%
HK$7,015
baseline
▲ 0.50% · 4.625%
HK$7,442
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,030/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$7,344
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,541
−HK$200/mo
Today · 4.125%
HK$7,741
baseline
▲ 0.50% · 4.625%
HK$8,149
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,482/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$7,922
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,168
−HK$250/mo
Today · 4.125%
HK$8,418
baseline
▲ 0.50% · 4.625%
HK$8,931
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,836/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$8,813
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,049
−HK$240/mo
Today · 4.125%
HK$9,289
baseline
▲ 0.50% · 4.625%
HK$9,779
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,578/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$9,242
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,529
−HK$292/mo
Today · 4.125%
HK$9,821
baseline
▲ 0.50% · 4.625%
HK$10,419
+HK$598/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,642/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,282
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,557
−HK$280/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,408
+HK$571/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$21,674/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,882
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,252
−HK$376/mo
Today · 4.125%
HK$12,628
baseline
▲ 0.50% · 4.625%
HK$13,396
+HK$768/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,256/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$13,219
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,574
−HK$359/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,668
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,866/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).