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$6,581
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,786
−HK$208/mo
Today · 4.125%
HK$6,994
baseline
▲ 0.50% · 4.625%
HK$7,419
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,988/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$7,322
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,518
−HK$199/mo
Today · 4.125%
HK$7,717
baseline
▲ 0.50% · 4.625%
HK$8,124
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,434/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$7,897
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,143
−HK$250/mo
Today · 4.125%
HK$8,393
baseline
▲ 0.50% · 4.625%
HK$8,903
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,786/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$8,786
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,021
−HK$240/mo
Today · 4.125%
HK$9,261
baseline
▲ 0.50% · 4.625%
HK$9,749
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,522/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$9,214
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,500
−HK$291/mo
Today · 4.125%
HK$9,791
baseline
▲ 0.50% · 4.625%
HK$10,387
+HK$596/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$19,582/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,250
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,525
−HK$279/mo
Today · 4.125%
HK$10,804
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$569/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$21,608/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,846
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,215
−HK$374/mo
Today · 4.125%
HK$12,589
baseline
▲ 0.50% · 4.625%
HK$13,355
+HK$766/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,178/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$13,179
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,532
−HK$359/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,623
+HK$732/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,782/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).