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$6,577
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,782
−HK$208/mo
Today · 4.125%
HK$6,990
baseline
▲ 0.50% · 4.625%
HK$7,415
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,980/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$7,317
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$199/mo
Today · 4.125%
HK$7,712
baseline
▲ 0.50% · 4.625%
HK$8,119
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,424/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$7,893
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,138
−HK$249/mo
Today · 4.125%
HK$8,387
baseline
▲ 0.50% · 4.625%
HK$8,898
+HK$511/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,774/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$8,780
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,016
−HK$239/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,743
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,510/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$9,208
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,494
−HK$291/mo
Today · 4.125%
HK$9,785
baseline
▲ 0.50% · 4.625%
HK$10,381
+HK$596/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$19,570/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$10,244
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$279/mo
Today · 4.125%
HK$10,797
baseline
▲ 0.50% · 4.625%
HK$11,366
+HK$569/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,594/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$11,839
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,207
−HK$374/mo
Today · 4.125%
HK$12,581
baseline
▲ 0.50% · 4.625%
HK$13,347
+HK$766/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$25,162/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$13,171
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$358/mo
Today · 4.125%
HK$13,882
baseline
▲ 0.50% · 4.625%
HK$14,614
+HK$732/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$27,764/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).