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$6,577
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,781
−HK$208/mo
Today · 4.125%
HK$6,989
baseline
▲ 0.50% · 4.625%
HK$7,414
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,978/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$7,316
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$199/mo
Today · 4.125%
HK$7,712
baseline
▲ 0.50% · 4.625%
HK$8,118
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,424/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$7,892
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,137
−HK$250/mo
Today · 4.125%
HK$8,387
baseline
▲ 0.50% · 4.625%
HK$8,897
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,774/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$8,780
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,015
−HK$239/mo
Today · 4.125%
HK$9,254
baseline
▲ 0.50% · 4.625%
HK$9,742
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,508/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$9,207
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,494
−HK$291/mo
Today · 4.125%
HK$9,785
baseline
▲ 0.50% · 4.625%
HK$10,380
+HK$595/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$19,570/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,243
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$278/mo
Today · 4.125%
HK$10,796
baseline
▲ 0.50% · 4.625%
HK$11,365
+HK$569/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,592/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,838
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,206
−HK$374/mo
Today · 4.125%
HK$12,580
baseline
▲ 0.50% · 4.625%
HK$13,346
+HK$766/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$25,160/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,169
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$358/mo
Today · 4.125%
HK$13,881
baseline
▲ 0.50% · 4.625%
HK$14,613
+HK$732/mo
Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$27,762/mo (50% DSR)
Upfront cash ≈ HK$289K (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).