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$6,602
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,807
−HK$209/mo
Today · 4.125%
HK$7,016
baseline
▲ 0.50% · 4.625%
HK$7,443
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,032/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$7,345
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,542
−HK$199/mo
Today · 4.125%
HK$7,741
baseline
▲ 0.50% · 4.625%
HK$8,149
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,482/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$7,922
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,169
−HK$250/mo
Today · 4.125%
HK$8,419
baseline
▲ 0.50% · 4.625%
HK$8,931
+HK$512/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,838/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$8,813
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,050
−HK$240/mo
Today · 4.125%
HK$9,290
baseline
▲ 0.50% · 4.625%
HK$9,779
+HK$489/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,580/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$9,243
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$292/mo
Today · 4.125%
HK$9,822
baseline
▲ 0.50% · 4.625%
HK$10,420
+HK$598/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,644/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,282
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,558
−HK$280/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,409
+HK$571/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$21,676/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,883
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,253
−HK$376/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,397
+HK$768/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,258/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,220
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$359/mo
Today · 4.125%
HK$13,934
baseline
▲ 0.50% · 4.625%
HK$14,669
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,868/mo (50% DSR)
Upfront cash ≈ HK$290K (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).