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$6,631
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,838
−HK$209/mo
Today · 4.125%
HK$7,047
baseline
▲ 0.50% · 4.625%
HK$7,476
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,094/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$7,377
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,575
−HK$201/mo
Today · 4.125%
HK$7,776
baseline
▲ 0.50% · 4.625%
HK$8,186
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,552/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$7,958
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,205
−HK$252/mo
Today · 4.125%
HK$8,457
baseline
▲ 0.50% · 4.625%
HK$8,971
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,914/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$8,853
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$241/mo
Today · 4.125%
HK$9,331
baseline
▲ 0.50% · 4.625%
HK$9,823
+HK$492/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,662/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$9,284
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,573
−HK$293/mo
Today · 4.125%
HK$9,866
baseline
▲ 0.50% · 4.625%
HK$10,466
+HK$600/mo
Deposit HK$872K · loan HK$2.04M · min. income ≈ HK$19,732/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,328
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,605
−HK$281/mo
Today · 4.125%
HK$10,886
baseline
▲ 0.50% · 4.625%
HK$11,460
+HK$574/mo
Deposit HK$872K · loan HK$2.04M · min. income ≈ HK$21,772/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,936
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$377/mo
Today · 4.125%
HK$12,685
baseline
▲ 0.50% · 4.625%
HK$13,457
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,370/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,279
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,635
−HK$362/mo
Today · 4.125%
HK$13,997
baseline
▲ 0.50% · 4.625%
HK$14,734
+HK$737/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$27,994/mo (50% DSR)
Upfront cash ≈ HK$291K (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).