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$397/mo
▼ 0.25% · 3.875%
HK$7,542
−HK$200/mo
Today · 4.125%
HK$7,742
baseline
▲ 0.50% · 4.625%
HK$8,150
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,484/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$7,923
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,169
−HK$250/mo
Today · 4.125%
HK$8,419
baseline
▲ 0.50% · 4.625%
HK$8,932
+HK$513/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$8,814
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,050
−HK$240/mo
Today · 4.125%
HK$9,290
baseline
▲ 0.50% · 4.625%
HK$9,780
+HK$490/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$580/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$293/mo
Today · 4.125%
HK$9,823
baseline
▲ 0.50% · 4.625%
HK$10,420
+HK$597/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,646/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$10,283
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,558
−HK$280/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$572/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$11,884
−HK$745/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$13,221
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$360/mo
Today · 4.125%
HK$13,935
baseline
▲ 0.50% · 4.625%
HK$14,669
+HK$734/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,870/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).