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$6,626
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,832
−HK$210/mo
Today · 4.125%
HK$7,042
baseline
▲ 0.50% · 4.625%
HK$7,470
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,084/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$7,371
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,569
−HK$201/mo
Today · 4.125%
HK$7,770
baseline
▲ 0.50% · 4.625%
HK$8,179
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,540/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$7,951
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,199
−HK$251/mo
Today · 4.125%
HK$8,450
baseline
▲ 0.50% · 4.625%
HK$8,964
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,900/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$8,846
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,083
−HK$241/mo
Today · 4.125%
HK$9,324
baseline
▲ 0.50% · 4.625%
HK$9,815
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,648/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$9,277
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$293/mo
Today · 4.125%
HK$9,858
baseline
▲ 0.50% · 4.625%
HK$10,458
+HK$600/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$19,716/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$10,320
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,597
−HK$281/mo
Today · 4.125%
HK$10,878
baseline
▲ 0.50% · 4.625%
HK$11,451
+HK$573/mo
Deposit HK$872K · loan HK$2.03M · min. income ≈ HK$21,756/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$11,927
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,298
−HK$377/mo
Today · 4.125%
HK$12,675
baseline
▲ 0.50% · 4.625%
HK$13,446
+HK$771/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,350/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$13,269
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,625
−HK$361/mo
Today · 4.125%
HK$13,986
baseline
▲ 0.50% · 4.625%
HK$14,723
+HK$737/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$27,972/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).