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$6,606
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,812
−HK$208/mo
Today · 4.125%
HK$7,020
baseline
▲ 0.50% · 4.625%
HK$7,447
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,040/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$7,349
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,546
−HK$200/mo
Today · 4.125%
HK$7,746
baseline
▲ 0.50% · 4.625%
HK$8,154
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,492/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$7,927
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,174
−HK$250/mo
Today · 4.125%
HK$8,424
baseline
▲ 0.50% · 4.625%
HK$8,937
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,848/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$8,819
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,055
−HK$240/mo
Today · 4.125%
HK$9,295
baseline
▲ 0.50% · 4.625%
HK$9,785
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,590/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$9,248
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,536
−HK$292/mo
Today · 4.125%
HK$9,828
baseline
▲ 0.50% · 4.625%
HK$10,426
+HK$598/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,656/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$10,289
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,565
−HK$280/mo
Today · 4.125%
HK$10,845
baseline
▲ 0.50% · 4.625%
HK$11,416
+HK$571/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$21,690/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$11,891
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,261
−HK$375/mo
Today · 4.125%
HK$12,636
baseline
▲ 0.50% · 4.625%
HK$13,405
+HK$769/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,272/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$13,228
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,583
−HK$360/mo
Today · 4.125%
HK$13,943
baseline
▲ 0.50% · 4.625%
HK$14,678
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,886/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).