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$6,608
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,813
−HK$209/mo
Today · 4.125%
HK$7,022
baseline
▲ 0.50% · 4.625%
HK$7,449
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,044/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$7,351
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,548
−HK$200/mo
Today · 4.125%
HK$7,748
baseline
▲ 0.50% · 4.625%
HK$8,156
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,496/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$7,929
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,176
−HK$250/mo
Today · 4.125%
HK$8,426
baseline
▲ 0.50% · 4.625%
HK$8,939
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,852/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$8,821
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,058
−HK$240/mo
Today · 4.125%
HK$9,298
baseline
▲ 0.50% · 4.625%
HK$9,788
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,596/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$9,251
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,538
−HK$293/mo
Today · 4.125%
HK$9,831
baseline
▲ 0.50% · 4.625%
HK$10,429
+HK$598/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,662/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,291
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,567
−HK$280/mo
Today · 4.125%
HK$10,847
baseline
▲ 0.50% · 4.625%
HK$11,419
+HK$572/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$21,694/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,894
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,264
−HK$375/mo
Today · 4.125%
HK$12,639
baseline
▲ 0.50% · 4.625%
HK$13,409
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,278/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$13,232
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,586
−HK$360/mo
Today · 4.125%
HK$13,946
baseline
▲ 0.50% · 4.625%
HK$14,682
+HK$736/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,892/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).