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$6,595
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,801
−HK$208/mo
Today · 4.125%
HK$7,009
baseline
▲ 0.50% · 4.625%
HK$7,435
+HK$426/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,018/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$7,337
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,534
−HK$200/mo
Today · 4.125%
HK$7,734
baseline
▲ 0.50% · 4.625%
HK$8,141
+HK$407/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,468/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$7,914
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,161
−HK$250/mo
Today · 4.125%
HK$8,411
baseline
▲ 0.50% · 4.625%
HK$8,923
+HK$512/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,822/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$8,805
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,041
−HK$239/mo
Today · 4.125%
HK$9,280
baseline
▲ 0.50% · 4.625%
HK$9,770
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,560/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$9,234
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$292/mo
Today · 4.125%
HK$9,813
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$597/mo
Deposit HK$868K · loan HK$2.02M · min. income ≈ HK$19,626/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,272
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,548
−HK$279/mo
Today · 4.125%
HK$10,827
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$571/mo
Deposit HK$868K · loan HK$2.02M · min. income ≈ HK$21,654/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,872
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,241
−HK$375/mo
Today · 4.125%
HK$12,616
baseline
▲ 0.50% · 4.625%
HK$13,384
+HK$768/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,232/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,207
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,561
−HK$360/mo
Today · 4.125%
HK$13,921
baseline
▲ 0.50% · 4.625%
HK$14,655
+HK$734/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,842/mo (50% DSR)
Upfront cash ≈ HK$289K (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).