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$6,553
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,757
−HK$207/mo
Today · 4.125%
HK$6,964
baseline
▲ 0.50% · 4.625%
HK$7,388
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,928/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$7,291
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,486
−HK$199/mo
Today · 4.125%
HK$7,685
baseline
▲ 0.50% · 4.625%
HK$8,090
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,370/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$7,864
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,109
−HK$248/mo
Today · 4.125%
HK$8,357
baseline
▲ 0.50% · 4.625%
HK$8,866
+HK$509/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,714/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$8,749
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,983
−HK$238/mo
Today · 4.125%
HK$9,221
baseline
▲ 0.50% · 4.625%
HK$9,708
+HK$487/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,442/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$9,175
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,460
−HK$290/mo
Today · 4.125%
HK$9,750
baseline
▲ 0.50% · 4.625%
HK$10,343
+HK$593/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,500/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,207
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$277/mo
Today · 4.125%
HK$10,758
baseline
▲ 0.50% · 4.625%
HK$11,325
+HK$567/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,516/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,796
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,163
−HK$373/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,299
+HK$763/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$25,072/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$13,123
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,475
−HK$357/mo
Today · 4.125%
HK$13,832
baseline
▲ 0.50% · 4.625%
HK$14,561
+HK$729/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$27,664/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).