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$6,567
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,771
−HK$207/mo
Today · 4.125%
HK$6,978
baseline
▲ 0.50% · 4.625%
HK$7,403
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,956/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$7,305
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,501
−HK$199/mo
Today · 4.125%
HK$7,700
baseline
▲ 0.50% · 4.625%
HK$8,106
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,400/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$7,880
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,125
−HK$249/mo
Today · 4.125%
HK$8,374
baseline
▲ 0.50% · 4.625%
HK$8,884
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,748/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$8,766
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$239/mo
Today · 4.125%
HK$9,240
baseline
▲ 0.50% · 4.625%
HK$9,727
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,480/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$9,193
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,479
−HK$291/mo
Today · 4.125%
HK$9,770
baseline
▲ 0.50% · 4.625%
HK$10,364
+HK$594/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,540/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,227
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,502
−HK$278/mo
Today · 4.125%
HK$10,780
baseline
▲ 0.50% · 4.625%
HK$11,348
+HK$568/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,560/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,820
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,187
−HK$374/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,325
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,122/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$13,149
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$358/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,590
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,720/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).