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$6,550
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,754
−HK$207/mo
Today · 4.125%
HK$6,961
baseline
▲ 0.50% · 4.625%
HK$7,384
+HK$423/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$7,287
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,482
−HK$199/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$7,860
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,105
−HK$248/mo
Today · 4.125%
HK$8,353
baseline
▲ 0.50% · 4.625%
HK$8,861
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,706/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$8,744
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,979
−HK$238/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$9,170
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,455
−HK$290/mo
Today · 4.125%
HK$9,745
baseline
▲ 0.50% · 4.625%
HK$10,338
+HK$593/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,490/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$10,202
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,475
−HK$278/mo
Today · 4.125%
HK$10,753
baseline
▲ 0.50% · 4.625%
HK$11,320
+HK$567/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,506/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$11,790
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,157
−HK$373/mo
Today · 4.125%
HK$12,530
baseline
▲ 0.50% · 4.625%
HK$13,292
+HK$762/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$25,060/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$13,117
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,468
−HK$357/mo
Today · 4.125%
HK$13,825
baseline
▲ 0.50% · 4.625%
HK$14,554
+HK$729/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$27,650/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).