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$6,625
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,831
−HK$209/mo
Today · 4.125%
HK$7,040
baseline
▲ 0.50% · 4.625%
HK$7,469
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,080/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$7,370
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,568
−HK$200/mo
Today · 4.125%
HK$7,768
baseline
▲ 0.50% · 4.625%
HK$8,178
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,536/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$7,950
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,197
−HK$251/mo
Today · 4.125%
HK$8,448
baseline
▲ 0.50% · 4.625%
HK$8,962
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,896/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$8,844
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,081
−HK$241/mo
Today · 4.125%
HK$9,322
baseline
▲ 0.50% · 4.625%
HK$9,813
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,644/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$9,275
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,563
−HK$293/mo
Today · 4.125%
HK$9,856
baseline
▲ 0.50% · 4.625%
HK$10,456
+HK$600/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$19,712/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,318
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,595
−HK$280/mo
Today · 4.125%
HK$10,875
baseline
▲ 0.50% · 4.625%
HK$11,449
+HK$574/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$21,750/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,925
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,296
−HK$376/mo
Today · 4.125%
HK$12,672
baseline
▲ 0.50% · 4.625%
HK$13,443
+HK$771/mo
Deposit HK$291K · loan HK$2.61M · min. income ≈ HK$25,344/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,266
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,622
−HK$361/mo
Today · 4.125%
HK$13,983
baseline
▲ 0.50% · 4.625%
HK$14,720
+HK$737/mo
Deposit HK$291K · loan HK$2.61M · min. income ≈ HK$27,966/mo (50% DSR)
Upfront cash ≈ HK$291K (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).