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$413/mo
▼ 0.25% · 3.875%
HK$6,777
−HK$208/mo
Today · 4.125%
HK$6,985
baseline
▲ 0.50% · 4.625%
HK$7,410
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,970/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$7,312
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,508
−HK$199/mo
Today · 4.125%
HK$7,707
baseline
▲ 0.50% · 4.625%
HK$8,113
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,414/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$7,887
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,132
−HK$250/mo
Today · 4.125%
HK$8,382
baseline
▲ 0.50% · 4.625%
HK$8,892
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,764/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$9,010
−HK$238/mo
Today · 4.125%
HK$9,248
baseline
▲ 0.50% · 4.625%
HK$9,736
+HK$488/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$9,488
−HK$290/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$10,237
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,511
−HK$279/mo
Today · 4.125%
HK$10,790
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$568/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,580/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$742/mo
▼ 0.25% · 3.875%
HK$12,198
−HK$374/mo
Today · 4.125%
HK$12,572
baseline
▲ 0.50% · 4.625%
HK$13,337
+HK$765/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,144/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$13,161
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,514
−HK$358/mo
Today · 4.125%
HK$13,872
baseline
▲ 0.50% · 4.625%
HK$14,604
+HK$732/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,744/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).