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$6,566
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,770
−HK$207/mo
Today · 4.125%
HK$6,977
baseline
▲ 0.50% · 4.625%
HK$7,402
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,954/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$7,304
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$199/mo
Today · 4.125%
HK$7,699
baseline
▲ 0.50% · 4.625%
HK$8,105
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,398/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$7,879
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,124
−HK$249/mo
Today · 4.125%
HK$8,373
baseline
▲ 0.50% · 4.625%
HK$8,882
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,746/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$8,765
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,000
−HK$239/mo
Today · 4.125%
HK$9,239
baseline
▲ 0.50% · 4.625%
HK$9,725
+HK$486/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,478/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$9,192
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$290/mo
Today · 4.125%
HK$9,768
baseline
▲ 0.50% · 4.625%
HK$10,363
+HK$595/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,536/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,226
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,500
−HK$278/mo
Today · 4.125%
HK$10,778
baseline
▲ 0.50% · 4.625%
HK$11,346
+HK$568/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,556/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,818
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,186
−HK$373/mo
Today · 4.125%
HK$12,559
baseline
▲ 0.50% · 4.625%
HK$13,323
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,118/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$13,147
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,500
−HK$358/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,588
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,716/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).