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$6,562
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,766
−HK$208/mo
Today · 4.125%
HK$6,974
baseline
▲ 0.50% · 4.625%
HK$7,398
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,948/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$7,300
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,496
−HK$199/mo
Today · 4.125%
HK$7,695
baseline
▲ 0.50% · 4.625%
HK$8,100
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,390/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$7,874
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$249/mo
Today · 4.125%
HK$8,368
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,736/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$8,760
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,995
−HK$239/mo
Today · 4.125%
HK$9,234
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$486/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,468/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$9,187
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$290/mo
Today · 4.125%
HK$9,763
baseline
▲ 0.50% · 4.625%
HK$10,357
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,526/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,220
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,494
−HK$279/mo
Today · 4.125%
HK$10,773
baseline
▲ 0.50% · 4.625%
HK$11,340
+HK$567/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,546/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,812
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,179
−HK$373/mo
Today · 4.125%
HK$12,552
baseline
▲ 0.50% · 4.625%
HK$13,316
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,104/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$13,140
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,493
−HK$357/mo
Today · 4.125%
HK$13,850
baseline
▲ 0.50% · 4.625%
HK$14,580
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,700/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).