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$6,562
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,766
−HK$207/mo
Today · 4.125%
HK$6,973
baseline
▲ 0.50% · 4.625%
HK$7,397
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,946/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$7,300
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$199/mo
Today · 4.125%
HK$7,694
baseline
▲ 0.50% · 4.625%
HK$8,100
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,388/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$7,874
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$249/mo
Today · 4.125%
HK$8,368
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,736/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$8,760
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,995
−HK$238/mo
Today · 4.125%
HK$9,233
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,466/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$9,186
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,472
−HK$290/mo
Today · 4.125%
HK$9,762
baseline
▲ 0.50% · 4.625%
HK$10,356
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,524/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$10,220
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,494
−HK$278/mo
Today · 4.125%
HK$10,772
baseline
▲ 0.50% · 4.625%
HK$11,340
+HK$568/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,544/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$11,811
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,178
−HK$374/mo
Today · 4.125%
HK$12,552
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$763/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,104/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$13,140
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,492
−HK$357/mo
Today · 4.125%
HK$13,849
baseline
▲ 0.50% · 4.625%
HK$14,579
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,698/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).