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$6,600
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,805
−HK$209/mo
Today · 4.125%
HK$7,014
baseline
▲ 0.50% · 4.625%
HK$7,441
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,028/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$7,342
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,539
−HK$200/mo
Today · 4.125%
HK$7,739
baseline
▲ 0.50% · 4.625%
HK$8,147
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,478/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$7,920
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,166
−HK$251/mo
Today · 4.125%
HK$8,417
baseline
▲ 0.50% · 4.625%
HK$8,929
+HK$512/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,834/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$8,811
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,047
−HK$240/mo
Today · 4.125%
HK$9,287
baseline
▲ 0.50% · 4.625%
HK$9,776
+HK$489/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,574/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$9,240
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,527
−HK$292/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,417
+HK$598/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$19,638/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,279
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,555
−HK$280/mo
Today · 4.125%
HK$10,835
baseline
▲ 0.50% · 4.625%
HK$11,406
+HK$571/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$21,670/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,880
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,249
−HK$376/mo
Today · 4.125%
HK$12,625
baseline
▲ 0.50% · 4.625%
HK$13,393
+HK$768/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,250/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$13,216
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,571
−HK$359/mo
Today · 4.125%
HK$13,930
baseline
▲ 0.50% · 4.625%
HK$14,665
+HK$735/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,860/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).