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$6,559
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,763
−HK$207/mo
Today · 4.125%
HK$6,970
baseline
▲ 0.50% · 4.625%
HK$7,394
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,940/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$7,297
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,493
−HK$198/mo
Today · 4.125%
HK$7,691
baseline
▲ 0.50% · 4.625%
HK$8,096
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,382/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$7,871
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,116
−HK$248/mo
Today · 4.125%
HK$8,364
baseline
▲ 0.50% · 4.625%
HK$8,873
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,728/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$8,756
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,991
−HK$238/mo
Today · 4.125%
HK$9,229
baseline
▲ 0.50% · 4.625%
HK$9,716
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,458/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$9,183
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$290/mo
Today · 4.125%
HK$9,758
baseline
▲ 0.50% · 4.625%
HK$10,352
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,516/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,216
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,490
−HK$277/mo
Today · 4.125%
HK$10,767
baseline
▲ 0.50% · 4.625%
HK$11,335
+HK$568/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,534/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,806
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$374/mo
Today · 4.125%
HK$12,547
baseline
▲ 0.50% · 4.625%
HK$13,310
+HK$763/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,094/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$13,134
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,487
−HK$357/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,688/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).