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$6,599
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,804
−HK$208/mo
Today · 4.125%
HK$7,012
baseline
▲ 0.50% · 4.625%
HK$7,439
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,024/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$7,341
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,538
−HK$200/mo
Today · 4.125%
HK$7,738
baseline
▲ 0.50% · 4.625%
HK$8,145
+HK$407/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,476/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$7,918
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,165
−HK$250/mo
Today · 4.125%
HK$8,415
baseline
▲ 0.50% · 4.625%
HK$8,927
+HK$512/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,830/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$8,809
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,045
−HK$240/mo
Today · 4.125%
HK$9,285
baseline
▲ 0.50% · 4.625%
HK$9,775
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,570/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$9,238
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,526
−HK$291/mo
Today · 4.125%
HK$9,817
baseline
▲ 0.50% · 4.625%
HK$10,415
+HK$598/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$19,634/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,277
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,553
−HK$280/mo
Today · 4.125%
HK$10,833
baseline
▲ 0.50% · 4.625%
HK$11,404
+HK$571/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$21,666/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,878
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,247
−HK$375/mo
Today · 4.125%
HK$12,622
baseline
▲ 0.50% · 4.625%
HK$13,391
+HK$769/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,244/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,214
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,568
−HK$360/mo
Today · 4.125%
HK$13,928
baseline
▲ 0.50% · 4.625%
HK$14,662
+HK$734/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,856/mo (50% DSR)
Upfront cash ≈ HK$289K (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).