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$6,605
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,811
−HK$209/mo
Today · 4.125%
HK$7,020
baseline
▲ 0.50% · 4.625%
HK$7,447
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,040/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$7,348
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,545
−HK$200/mo
Today · 4.125%
HK$7,745
baseline
▲ 0.50% · 4.625%
HK$8,154
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,490/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$7,926
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,173
−HK$250/mo
Today · 4.125%
HK$8,423
baseline
▲ 0.50% · 4.625%
HK$8,936
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,846/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$8,818
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,055
−HK$239/mo
Today · 4.125%
HK$9,294
baseline
▲ 0.50% · 4.625%
HK$9,784
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,588/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$9,247
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,535
−HK$292/mo
Today · 4.125%
HK$9,827
baseline
▲ 0.50% · 4.625%
HK$10,425
+HK$598/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,654/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$10,288
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,564
−HK$280/mo
Today · 4.125%
HK$10,844
baseline
▲ 0.50% · 4.625%
HK$11,415
+HK$571/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$21,688/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$11,890
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,259
−HK$376/mo
Today · 4.125%
HK$12,635
baseline
▲ 0.50% · 4.625%
HK$13,404
+HK$769/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,270/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$13,227
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,582
−HK$360/mo
Today · 4.125%
HK$13,942
baseline
▲ 0.50% · 4.625%
HK$14,677
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,884/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).