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$6,557
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,761
−HK$207/mo
Today · 4.125%
HK$6,968
baseline
▲ 0.50% · 4.625%
HK$7,392
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,936/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$7,294
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,490
−HK$199/mo
Today · 4.125%
HK$7,689
baseline
▲ 0.50% · 4.625%
HK$8,094
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,378/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$7,868
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,113
−HK$249/mo
Today · 4.125%
HK$8,362
baseline
▲ 0.50% · 4.625%
HK$8,870
+HK$508/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,724/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$8,753
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,988
−HK$238/mo
Today · 4.125%
HK$9,226
baseline
▲ 0.50% · 4.625%
HK$9,713
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,452/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$9,180
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,465
−HK$290/mo
Today · 4.125%
HK$9,755
baseline
▲ 0.50% · 4.625%
HK$10,349
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,510/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,212
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,486
−HK$278/mo
Today · 4.125%
HK$10,764
baseline
▲ 0.50% · 4.625%
HK$11,331
+HK$567/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,528/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,802
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,169
−HK$373/mo
Today · 4.125%
HK$12,542
baseline
▲ 0.50% · 4.625%
HK$13,306
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,084/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$13,130
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,482
−HK$357/mo
Today · 4.125%
HK$13,839
baseline
▲ 0.50% · 4.625%
HK$14,569
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,678/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).