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$6,595
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,800
−HK$208/mo
Today · 4.125%
HK$7,008
baseline
▲ 0.50% · 4.625%
HK$7,435
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,016/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$7,337
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,533
−HK$200/mo
Today · 4.125%
HK$7,733
baseline
▲ 0.50% · 4.625%
HK$8,141
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,466/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$7,914
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,160
−HK$250/mo
Today · 4.125%
HK$8,410
baseline
▲ 0.50% · 4.625%
HK$8,922
+HK$512/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,820/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$8,804
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,040
−HK$240/mo
Today · 4.125%
HK$9,280
baseline
▲ 0.50% · 4.625%
HK$9,769
+HK$489/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,560/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$9,233
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,520
−HK$292/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,409
+HK$597/mo
Deposit HK$868K · loan HK$2.02M · min. income ≈ HK$19,624/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,271
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,547
−HK$279/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$571/mo
Deposit HK$868K · loan HK$2.02M · min. income ≈ HK$21,652/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,871
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,240
−HK$375/mo
Today · 4.125%
HK$12,615
baseline
▲ 0.50% · 4.625%
HK$13,383
+HK$768/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,230/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$13,206
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,560
−HK$359/mo
Today · 4.125%
HK$13,919
baseline
▲ 0.50% · 4.625%
HK$14,653
+HK$734/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,838/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).