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$6,629
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,836
−HK$209/mo
Today · 4.125%
HK$7,045
baseline
▲ 0.50% · 4.625%
HK$7,474
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,090/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$7,375
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,573
−HK$201/mo
Today · 4.125%
HK$7,774
baseline
▲ 0.50% · 4.625%
HK$8,183
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,548/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$7,955
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,203
−HK$251/mo
Today · 4.125%
HK$8,454
baseline
▲ 0.50% · 4.625%
HK$8,969
+HK$515/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,908/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$8,850
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,088
−HK$240/mo
Today · 4.125%
HK$9,328
baseline
▲ 0.50% · 4.625%
HK$9,820
+HK$492/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,656/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$9,281
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,570
−HK$293/mo
Today · 4.125%
HK$9,863
baseline
▲ 0.50% · 4.625%
HK$10,463
+HK$600/mo
Deposit HK$872K · loan HK$2.04M · min. income ≈ HK$19,726/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$10,325
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,602
−HK$281/mo
Today · 4.125%
HK$10,883
baseline
▲ 0.50% · 4.625%
HK$11,457
+HK$574/mo
Deposit HK$872K · loan HK$2.04M · min. income ≈ HK$21,766/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$11,933
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$377/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,453
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,362/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$13,275
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,631
−HK$362/mo
Today · 4.125%
HK$13,993
baseline
▲ 0.50% · 4.625%
HK$14,730
+HK$737/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$27,986/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).