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$6,627
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,833
−HK$209/mo
Today · 4.125%
HK$7,042
baseline
▲ 0.50% · 4.625%
HK$7,471
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,084/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$7,372
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,570
−HK$201/mo
Today · 4.125%
HK$7,771
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,542/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$7,952
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,200
−HK$251/mo
Today · 4.125%
HK$8,451
baseline
▲ 0.50% · 4.625%
HK$8,965
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,902/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$8,847
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,084
−HK$241/mo
Today · 4.125%
HK$9,325
baseline
▲ 0.50% · 4.625%
HK$9,816
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,650/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$9,278
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,566
−HK$293/mo
Today · 4.125%
HK$9,859
baseline
▲ 0.50% · 4.625%
HK$10,459
+HK$600/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$19,718/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,321
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,598
−HK$281/mo
Today · 4.125%
HK$10,879
baseline
▲ 0.50% · 4.625%
HK$11,452
+HK$573/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$21,758/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,928
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,299
−HK$377/mo
Today · 4.125%
HK$12,676
baseline
▲ 0.50% · 4.625%
HK$13,448
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,352/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,270
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,626
−HK$361/mo
Today · 4.125%
HK$13,987
baseline
▲ 0.50% · 4.625%
HK$14,724
+HK$737/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$27,974/mo (50% DSR)
Upfront cash ≈ HK$291K (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).