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$6,568
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,773
−HK$207/mo
Today · 4.125%
HK$6,980
baseline
▲ 0.50% · 4.625%
HK$7,405
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,960/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$7,307
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,503
−HK$199/mo
Today · 4.125%
HK$7,702
baseline
▲ 0.50% · 4.625%
HK$8,108
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,404/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$7,882
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,127
−HK$249/mo
Today · 4.125%
HK$8,376
baseline
▲ 0.50% · 4.625%
HK$8,886
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,752/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$8,769
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,004
−HK$238/mo
Today · 4.125%
HK$9,242
baseline
▲ 0.50% · 4.625%
HK$9,729
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,484/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$9,196
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,482
−HK$290/mo
Today · 4.125%
HK$9,772
baseline
▲ 0.50% · 4.625%
HK$10,367
+HK$595/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,544/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,230
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,504
−HK$279/mo
Today · 4.125%
HK$10,783
baseline
▲ 0.50% · 4.625%
HK$11,351
+HK$568/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,566/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,823
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,191
−HK$373/mo
Today · 4.125%
HK$12,564
baseline
▲ 0.50% · 4.625%
HK$13,329
+HK$765/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,128/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,153
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,506
−HK$357/mo
Today · 4.125%
HK$13,863
baseline
▲ 0.50% · 4.625%
HK$14,594
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,726/mo (50% DSR)
Upfront cash ≈ HK$288K (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).