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$6,621
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,827
−HK$209/mo
Today · 4.125%
HK$7,036
baseline
▲ 0.50% · 4.625%
HK$7,464
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,072/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$7,365
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,563
−HK$200/mo
Today · 4.125%
HK$7,763
baseline
▲ 0.50% · 4.625%
HK$8,173
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,526/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$7,945
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,192
−HK$251/mo
Today · 4.125%
HK$8,443
baseline
▲ 0.50% · 4.625%
HK$8,957
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,886/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$8,839
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,076
−HK$240/mo
Today · 4.125%
HK$9,316
baseline
▲ 0.50% · 4.625%
HK$9,807
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,632/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$9,269
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,557
−HK$293/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,450
+HK$600/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$19,700/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,312
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,588
−HK$281/mo
Today · 4.125%
HK$10,869
baseline
▲ 0.50% · 4.625%
HK$11,442
+HK$573/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$21,738/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,917
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$377/mo
Today · 4.125%
HK$12,665
baseline
▲ 0.50% · 4.625%
HK$13,435
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,330/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,258
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,613
−HK$361/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,711
+HK$737/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,948/mo (50% DSR)
Upfront cash ≈ HK$290K (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).