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$6,575
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,780
−HK$208/mo
Today · 4.125%
HK$6,988
baseline
▲ 0.50% · 4.625%
HK$7,413
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,976/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$7,315
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,511
−HK$199/mo
Today · 4.125%
HK$7,710
baseline
▲ 0.50% · 4.625%
HK$8,117
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,420/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$7,890
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,136
−HK$249/mo
Today · 4.125%
HK$8,385
baseline
▲ 0.50% · 4.625%
HK$8,895
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,770/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$8,778
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,013
−HK$239/mo
Today · 4.125%
HK$9,252
baseline
▲ 0.50% · 4.625%
HK$9,740
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,504/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$9,205
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,492
−HK$291/mo
Today · 4.125%
HK$9,783
baseline
▲ 0.50% · 4.625%
HK$10,378
+HK$595/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$19,566/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,241
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,516
−HK$278/mo
Today · 4.125%
HK$10,794
baseline
▲ 0.50% · 4.625%
HK$11,363
+HK$569/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,588/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,835
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,204
−HK$374/mo
Today · 4.125%
HK$12,578
baseline
▲ 0.50% · 4.625%
HK$13,343
+HK$765/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$25,156/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,167
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,520
−HK$358/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,610
+HK$732/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$27,756/mo (50% DSR)
Upfront cash ≈ HK$288K (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).