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$6,620
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,826
−HK$209/mo
Today · 4.125%
HK$7,035
baseline
▲ 0.50% · 4.625%
HK$7,463
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,070/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$7,365
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,562
−HK$200/mo
Today · 4.125%
HK$7,762
baseline
▲ 0.50% · 4.625%
HK$8,172
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,524/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$7,944
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,191
−HK$251/mo
Today · 4.125%
HK$8,442
baseline
▲ 0.50% · 4.625%
HK$8,956
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,884/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$8,837
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,074
−HK$241/mo
Today · 4.125%
HK$9,315
baseline
▲ 0.50% · 4.625%
HK$9,806
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,630/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$9,268
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$293/mo
Today · 4.125%
HK$9,849
baseline
▲ 0.50% · 4.625%
HK$10,448
+HK$599/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$19,698/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,310
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,587
−HK$280/mo
Today · 4.125%
HK$10,867
baseline
▲ 0.50% · 4.625%
HK$11,440
+HK$573/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$21,734/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,916
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,286
−HK$377/mo
Today · 4.125%
HK$12,663
baseline
▲ 0.50% · 4.625%
HK$13,434
+HK$771/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,326/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,256
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,612
−HK$360/mo
Today · 4.125%
HK$13,972
baseline
▲ 0.50% · 4.625%
HK$14,709
+HK$737/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,944/mo (50% DSR)
Upfront cash ≈ HK$290K (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).