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$6,572
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,776
−HK$208/mo
Today · 4.125%
HK$6,984
baseline
▲ 0.50% · 4.625%
HK$7,409
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,968/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$7,311
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$199/mo
Today · 4.125%
HK$7,706
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,412/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$7,886
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,132
−HK$249/mo
Today · 4.125%
HK$8,381
baseline
▲ 0.50% · 4.625%
HK$8,891
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,762/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$8,774
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,009
−HK$239/mo
Today · 4.125%
HK$9,248
baseline
▲ 0.50% · 4.625%
HK$9,735
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,496/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$9,201
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,487
−HK$291/mo
Today · 4.125%
HK$9,778
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$595/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$19,556/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,236
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,510
−HK$279/mo
Today · 4.125%
HK$10,789
baseline
▲ 0.50% · 4.625%
HK$11,357
+HK$568/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,578/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,830
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,198
−HK$373/mo
Today · 4.125%
HK$12,571
baseline
▲ 0.50% · 4.625%
HK$13,336
+HK$765/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,142/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,160
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$358/mo
Today · 4.125%
HK$13,871
baseline
▲ 0.50% · 4.625%
HK$14,602
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,742/mo (50% DSR)
Upfront cash ≈ HK$288K (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).