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$6,603
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,808
−HK$209/mo
Today · 4.125%
HK$7,017
baseline
▲ 0.50% · 4.625%
HK$7,444
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,034/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$7,345
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,542
−HK$200/mo
Today · 4.125%
HK$7,742
baseline
▲ 0.50% · 4.625%
HK$8,150
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,484/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$7,923
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,170
−HK$250/mo
Today · 4.125%
HK$8,420
baseline
▲ 0.50% · 4.625%
HK$8,933
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,840/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$8,815
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,051
−HK$240/mo
Today · 4.125%
HK$9,291
baseline
▲ 0.50% · 4.625%
HK$9,781
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,582/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$9,244
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$293/mo
Today · 4.125%
HK$9,824
baseline
▲ 0.50% · 4.625%
HK$10,421
+HK$597/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,648/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$10,284
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$280/mo
Today · 4.125%
HK$10,839
baseline
▲ 0.50% · 4.625%
HK$11,411
+HK$572/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$21,678/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$11,885
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$375/mo
Today · 4.125%
HK$12,630
baseline
▲ 0.50% · 4.625%
HK$13,399
+HK$769/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,260/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$13,222
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,576
−HK$360/mo
Today · 4.125%
HK$13,936
baseline
▲ 0.50% · 4.625%
HK$14,671
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,872/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).