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$6,633
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$209/mo
Today · 4.125%
HK$7,049
baseline
▲ 0.50% · 4.625%
HK$7,478
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,098/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$7,379
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,577
−HK$201/mo
Today · 4.125%
HK$7,778
baseline
▲ 0.50% · 4.625%
HK$8,188
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,556/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$7,960
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$252/mo
Today · 4.125%
HK$8,459
baseline
▲ 0.50% · 4.625%
HK$8,974
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,918/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$8,855
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$241/mo
Today · 4.125%
HK$9,334
baseline
▲ 0.50% · 4.625%
HK$9,826
+HK$492/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,668/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$9,286
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$294/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,469
+HK$600/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,738/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$10,331
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,608
−HK$281/mo
Today · 4.125%
HK$10,889
baseline
▲ 0.50% · 4.625%
HK$11,463
+HK$574/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,778/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$11,940
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,311
−HK$377/mo
Today · 4.125%
HK$12,688
baseline
▲ 0.50% · 4.625%
HK$13,461
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,376/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$13,283
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$361/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,738
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,000/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).