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$6,552
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,756
−HK$207/mo
Today · 4.125%
HK$6,963
baseline
▲ 0.50% · 4.625%
HK$7,387
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,926/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$7,290
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,485
−HK$198/mo
Today · 4.125%
HK$7,683
baseline
▲ 0.50% · 4.625%
HK$8,088
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,366/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$7,863
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,107
−HK$249/mo
Today · 4.125%
HK$8,356
baseline
▲ 0.50% · 4.625%
HK$8,864
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,712/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$8,747
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,982
−HK$238/mo
Today · 4.125%
HK$9,220
baseline
▲ 0.50% · 4.625%
HK$9,706
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,440/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$9,173
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,459
−HK$290/mo
Today · 4.125%
HK$9,749
baseline
▲ 0.50% · 4.625%
HK$10,342
+HK$593/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,498/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,205
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,479
−HK$278/mo
Today · 4.125%
HK$10,757
baseline
▲ 0.50% · 4.625%
HK$11,324
+HK$567/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,514/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,794
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$373/mo
Today · 4.125%
HK$12,534
baseline
▲ 0.50% · 4.625%
HK$13,297
+HK$763/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$25,068/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,121
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,473
−HK$357/mo
Today · 4.125%
HK$13,830
baseline
▲ 0.50% · 4.625%
HK$14,559
+HK$729/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$27,660/mo (50% DSR)
Upfront cash ≈ HK$287K (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).