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$6,585
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,790
−HK$208/mo
Today · 4.125%
HK$6,998
baseline
▲ 0.50% · 4.625%
HK$7,424
+HK$426/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,996/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$7,326
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,522
−HK$200/mo
Today · 4.125%
HK$7,722
baseline
▲ 0.50% · 4.625%
HK$8,129
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,444/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$7,902
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,148
−HK$250/mo
Today · 4.125%
HK$8,398
baseline
▲ 0.50% · 4.625%
HK$8,909
+HK$511/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,796/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$8,791
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,027
−HK$239/mo
Today · 4.125%
HK$9,266
baseline
▲ 0.50% · 4.625%
HK$9,755
+HK$489/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,532/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$9,219
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,506
−HK$291/mo
Today · 4.125%
HK$9,797
baseline
▲ 0.50% · 4.625%
HK$10,394
+HK$597/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$19,594/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,256
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,531
−HK$279/mo
Today · 4.125%
HK$10,810
baseline
▲ 0.50% · 4.625%
HK$11,380
+HK$570/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$21,620/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,853
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,222
−HK$375/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,363
+HK$766/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,194/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,187
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,540
−HK$359/mo
Today · 4.125%
HK$13,899
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,798/mo (50% DSR)
Upfront cash ≈ HK$289K (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).