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$6,630
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,836
−HK$210/mo
Today · 4.125%
HK$7,046
baseline
▲ 0.50% · 4.625%
HK$7,474
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,092/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$7,376
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,573
−HK$201/mo
Today · 4.125%
HK$7,774
baseline
▲ 0.50% · 4.625%
HK$8,184
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,548/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$7,956
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,203
−HK$252/mo
Today · 4.125%
HK$8,455
baseline
▲ 0.50% · 4.625%
HK$8,969
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,910/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$8,851
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,088
−HK$241/mo
Today · 4.125%
HK$9,329
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$492/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,658/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$9,282
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,571
−HK$293/mo
Today · 4.125%
HK$9,864
baseline
▲ 0.50% · 4.625%
HK$10,464
+HK$600/mo
Deposit HK$872K · loan HK$2.04M · min. income ≈ HK$19,728/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,326
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,603
−HK$281/mo
Today · 4.125%
HK$10,884
baseline
▲ 0.50% · 4.625%
HK$11,458
+HK$574/mo
Deposit HK$872K · loan HK$2.04M · min. income ≈ HK$21,768/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,934
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,305
−HK$377/mo
Today · 4.125%
HK$12,682
baseline
▲ 0.50% · 4.625%
HK$13,454
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,364/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$13,276
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,632
−HK$361/mo
Today · 4.125%
HK$13,993
baseline
▲ 0.50% · 4.625%
HK$14,731
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$27,986/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).