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$6,564
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,769
−HK$207/mo
Today · 4.125%
HK$6,976
baseline
▲ 0.50% · 4.625%
HK$7,400
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,952/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,303
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,499
−HK$198/mo
Today · 4.125%
HK$7,697
baseline
▲ 0.50% · 4.625%
HK$8,103
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,394/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,877
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,122
−HK$249/mo
Today · 4.125%
HK$8,371
baseline
▲ 0.50% · 4.625%
HK$8,881
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,742/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,763
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$239/mo
Today · 4.125%
HK$9,237
baseline
▲ 0.50% · 4.625%
HK$9,724
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,474/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,190
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,476
−HK$290/mo
Today · 4.125%
HK$9,766
baseline
▲ 0.50% · 4.625%
HK$10,361
+HK$595/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,532/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,224
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,498
−HK$278/mo
Today · 4.125%
HK$10,776
baseline
▲ 0.50% · 4.625%
HK$11,344
+HK$568/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,552/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,816
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,183
−HK$374/mo
Today · 4.125%
HK$12,557
baseline
▲ 0.50% · 4.625%
HK$13,321
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,114/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,145
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$357/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,585
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,710/mo (50% DSR)
Upfront cash ≈ HK$288K (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).