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$6,558
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,762
−HK$207/mo
Today · 4.125%
HK$6,969
baseline
▲ 0.50% · 4.625%
HK$7,393
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,938/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$7,295
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,491
−HK$198/mo
Today · 4.125%
HK$7,689
baseline
▲ 0.50% · 4.625%
HK$8,095
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,378/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$7,869
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,114
−HK$249/mo
Today · 4.125%
HK$8,363
baseline
▲ 0.50% · 4.625%
HK$8,871
+HK$508/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,726/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$8,754
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,989
−HK$238/mo
Today · 4.125%
HK$9,227
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,454/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$9,181
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,466
−HK$290/mo
Today · 4.125%
HK$9,756
baseline
▲ 0.50% · 4.625%
HK$10,350
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,512/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$10,213
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,487
−HK$278/mo
Today · 4.125%
HK$10,765
baseline
▲ 0.50% · 4.625%
HK$11,333
+HK$568/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,530/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$11,804
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$373/mo
Today · 4.125%
HK$12,544
baseline
▲ 0.50% · 4.625%
HK$13,307
+HK$763/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,088/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$13,131
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$357/mo
Today · 4.125%
HK$13,841
baseline
▲ 0.50% · 4.625%
HK$14,570
+HK$729/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,682/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).