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$6,566
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,770
−HK$208/mo
Today · 4.125%
HK$6,978
baseline
▲ 0.50% · 4.625%
HK$7,402
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,956/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$7,304
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$199/mo
Today · 4.125%
HK$7,699
baseline
▲ 0.50% · 4.625%
HK$8,105
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,398/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$7,879
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,124
−HK$249/mo
Today · 4.125%
HK$8,373
baseline
▲ 0.50% · 4.625%
HK$8,883
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,746/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$8,765
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,000
−HK$239/mo
Today · 4.125%
HK$9,239
baseline
▲ 0.50% · 4.625%
HK$9,726
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,478/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$9,192
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$291/mo
Today · 4.125%
HK$9,769
baseline
▲ 0.50% · 4.625%
HK$10,363
+HK$594/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,538/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$10,226
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,501
−HK$278/mo
Today · 4.125%
HK$10,779
baseline
▲ 0.50% · 4.625%
HK$11,347
+HK$568/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,558/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$11,819
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,186
−HK$374/mo
Today · 4.125%
HK$12,560
baseline
▲ 0.50% · 4.625%
HK$13,324
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,120/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$13,148
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,501
−HK$357/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,589
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,716/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).