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$6,598
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,803
−HK$209/mo
Today · 4.125%
HK$7,012
baseline
▲ 0.50% · 4.625%
HK$7,438
+HK$426/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,024/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$7,340
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,537
−HK$200/mo
Today · 4.125%
HK$7,737
baseline
▲ 0.50% · 4.625%
HK$8,145
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,474/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$7,918
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,164
−HK$250/mo
Today · 4.125%
HK$8,414
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$512/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,828/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$8,808
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,044
−HK$240/mo
Today · 4.125%
HK$9,284
baseline
▲ 0.50% · 4.625%
HK$9,773
+HK$489/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,568/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$9,237
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,524
−HK$292/mo
Today · 4.125%
HK$9,816
baseline
▲ 0.50% · 4.625%
HK$10,414
+HK$598/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$19,632/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,276
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,552
−HK$279/mo
Today · 4.125%
HK$10,831
baseline
▲ 0.50% · 4.625%
HK$11,402
+HK$571/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$21,662/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,876
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,246
−HK$375/mo
Today · 4.125%
HK$12,621
baseline
▲ 0.50% · 4.625%
HK$13,389
+HK$768/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,242/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$13,212
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,567
−HK$359/mo
Today · 4.125%
HK$13,926
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$734/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,852/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).