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$6,580
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,785
−HK$208/mo
Today · 4.125%
HK$6,993
baseline
▲ 0.50% · 4.625%
HK$7,419
+HK$426/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,986/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$7,321
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,517
−HK$199/mo
Today · 4.125%
HK$7,716
baseline
▲ 0.50% · 4.625%
HK$8,123
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,432/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$7,896
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,142
−HK$250/mo
Today · 4.125%
HK$8,392
baseline
▲ 0.50% · 4.625%
HK$8,902
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,784/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$8,785
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,020
−HK$239/mo
Today · 4.125%
HK$9,259
baseline
▲ 0.50% · 4.625%
HK$9,747
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,518/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$9,213
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,499
−HK$291/mo
Today · 4.125%
HK$9,790
baseline
▲ 0.50% · 4.625%
HK$10,386
+HK$596/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$19,580/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,249
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,524
−HK$279/mo
Today · 4.125%
HK$10,803
baseline
▲ 0.50% · 4.625%
HK$11,372
+HK$569/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$21,606/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,845
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,213
−HK$374/mo
Today · 4.125%
HK$12,587
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$766/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,174/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$13,177
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,531
−HK$358/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,621
+HK$732/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,778/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).