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$6,590
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,795
−HK$209/mo
Today · 4.125%
HK$7,004
baseline
▲ 0.50% · 4.625%
HK$7,430
+HK$426/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,008/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$7,332
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,528
−HK$200/mo
Today · 4.125%
HK$7,728
baseline
▲ 0.50% · 4.625%
HK$8,135
+HK$407/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,456/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$7,908
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,154
−HK$250/mo
Today · 4.125%
HK$8,404
baseline
▲ 0.50% · 4.625%
HK$8,916
+HK$512/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,808/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$8,798
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,034
−HK$239/mo
Today · 4.125%
HK$9,273
baseline
▲ 0.50% · 4.625%
HK$9,762
+HK$489/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,546/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$9,226
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,513
−HK$292/mo
Today · 4.125%
HK$9,805
baseline
▲ 0.50% · 4.625%
HK$10,402
+HK$597/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$19,610/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,264
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,540
−HK$279/mo
Today · 4.125%
HK$10,819
baseline
▲ 0.50% · 4.625%
HK$11,389
+HK$570/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$21,638/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,863
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,232
−HK$374/mo
Today · 4.125%
HK$12,606
baseline
▲ 0.50% · 4.625%
HK$13,374
+HK$768/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,212/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$13,197
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,551
−HK$359/mo
Today · 4.125%
HK$13,910
baseline
▲ 0.50% · 4.625%
HK$14,643
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,820/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).