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$6,624
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,830
−HK$210/mo
Today · 4.125%
HK$7,040
baseline
▲ 0.50% · 4.625%
HK$7,468
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,080/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$7,370
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,567
−HK$201/mo
Today · 4.125%
HK$7,768
baseline
▲ 0.50% · 4.625%
HK$8,177
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,536/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$7,949
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,197
−HK$251/mo
Today · 4.125%
HK$8,448
baseline
▲ 0.50% · 4.625%
HK$8,962
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,896/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$8,843
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,081
−HK$240/mo
Today · 4.125%
HK$9,321
baseline
▲ 0.50% · 4.625%
HK$9,813
+HK$492/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,642/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$9,274
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,563
−HK$293/mo
Today · 4.125%
HK$9,856
baseline
▲ 0.50% · 4.625%
HK$10,455
+HK$599/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$19,712/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,317
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$281/mo
Today · 4.125%
HK$10,875
baseline
▲ 0.50% · 4.625%
HK$11,448
+HK$573/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$21,750/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,924
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,295
−HK$377/mo
Today · 4.125%
HK$12,672
baseline
▲ 0.50% · 4.625%
HK$13,443
+HK$771/mo
Deposit HK$291K · loan HK$2.61M · min. income ≈ HK$25,344/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,265
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,621
−HK$361/mo
Today · 4.125%
HK$13,982
baseline
▲ 0.50% · 4.625%
HK$14,719
+HK$737/mo
Deposit HK$291K · loan HK$2.61M · min. income ≈ HK$27,964/mo (50% DSR)
Upfront cash ≈ HK$291K (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).