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$6,560
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,764
−HK$207/mo
Today · 4.125%
HK$6,971
baseline
▲ 0.50% · 4.625%
HK$7,395
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,942/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$7,298
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,493
−HK$199/mo
Today · 4.125%
HK$7,692
baseline
▲ 0.50% · 4.625%
HK$8,097
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,384/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$7,872
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,116
−HK$249/mo
Today · 4.125%
HK$8,365
baseline
▲ 0.50% · 4.625%
HK$8,874
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,730/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$8,757
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$238/mo
Today · 4.125%
HK$9,230
baseline
▲ 0.50% · 4.625%
HK$9,717
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,460/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$9,184
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,469
−HK$290/mo
Today · 4.125%
HK$9,759
baseline
▲ 0.50% · 4.625%
HK$10,353
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,518/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$10,217
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,491
−HK$278/mo
Today · 4.125%
HK$10,769
baseline
▲ 0.50% · 4.625%
HK$11,336
+HK$567/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,538/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$11,807
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$373/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$763/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,096/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$13,136
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$357/mo
Today · 4.125%
HK$13,845
baseline
▲ 0.50% · 4.625%
HK$14,575
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,690/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).