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$6,616
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,822
−HK$209/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,458
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,062/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$7,360
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,557
−HK$201/mo
Today · 4.125%
HK$7,758
baseline
▲ 0.50% · 4.625%
HK$8,166
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,516/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$7,939
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,186
−HK$251/mo
Today · 4.125%
HK$8,437
baseline
▲ 0.50% · 4.625%
HK$8,950
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,874/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$8,832
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,069
−HK$240/mo
Today · 4.125%
HK$9,309
baseline
▲ 0.50% · 4.625%
HK$9,800
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,618/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$9,262
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,550
−HK$293/mo
Today · 4.125%
HK$9,843
baseline
▲ 0.50% · 4.625%
HK$10,442
+HK$599/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$19,686/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,304
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,580
−HK$281/mo
Today · 4.125%
HK$10,861
baseline
▲ 0.50% · 4.625%
HK$11,433
+HK$572/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$21,722/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,908
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,279
−HK$376/mo
Today · 4.125%
HK$12,655
baseline
▲ 0.50% · 4.625%
HK$13,425
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,310/mo (50% DSR)
Upfront cash ≈ HK$290K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,248
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,603
−HK$361/mo
Today · 4.125%
HK$13,964
baseline
▲ 0.50% · 4.625%
HK$14,700
+HK$736/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,928/mo (50% DSR)
Upfront cash ≈ HK$290K (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).