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$6,569
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,773
−HK$208/mo
Today · 4.125%
HK$6,981
baseline
▲ 0.50% · 4.625%
HK$7,406
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,962/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$7,308
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,504
−HK$199/mo
Today · 4.125%
HK$7,703
baseline
▲ 0.50% · 4.625%
HK$8,109
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,406/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$7,883
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,128
−HK$249/mo
Today · 4.125%
HK$8,377
baseline
▲ 0.50% · 4.625%
HK$8,887
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,754/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$8,770
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$238/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,731
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,486/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$9,197
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,483
−HK$290/mo
Today · 4.125%
HK$9,773
baseline
▲ 0.50% · 4.625%
HK$10,368
+HK$595/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,546/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$10,231
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,506
−HK$278/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$568/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,568/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$11,824
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,192
−HK$374/mo
Today · 4.125%
HK$12,566
baseline
▲ 0.50% · 4.625%
HK$13,330
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,132/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$13,154
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,507
−HK$358/mo
Today · 4.125%
HK$13,865
baseline
▲ 0.50% · 4.625%
HK$14,596
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,730/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).