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$6,612
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,817
−HK$209/mo
Today · 4.125%
HK$7,026
baseline
▲ 0.50% · 4.625%
HK$7,454
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,052/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$7,355
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,553
−HK$200/mo
Today · 4.125%
HK$7,753
baseline
▲ 0.50% · 4.625%
HK$8,161
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,506/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$7,934
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,181
−HK$251/mo
Today · 4.125%
HK$8,432
baseline
▲ 0.50% · 4.625%
HK$8,945
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,864/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$8,826
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,063
−HK$240/mo
Today · 4.125%
HK$9,303
baseline
▲ 0.50% · 4.625%
HK$9,794
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,606/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$9,256
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$293/mo
Today · 4.125%
HK$9,837
baseline
▲ 0.50% · 4.625%
HK$10,435
+HK$598/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$19,674/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,298
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,574
−HK$280/mo
Today · 4.125%
HK$10,854
baseline
▲ 0.50% · 4.625%
HK$11,426
+HK$572/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$21,708/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,901
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,271
−HK$376/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,417
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,294/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$13,240
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$360/mo
Today · 4.125%
HK$13,955
baseline
▲ 0.50% · 4.625%
HK$14,691
+HK$736/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,910/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).