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$6,549
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,753
−HK$207/mo
Today · 4.125%
HK$6,960
baseline
▲ 0.50% · 4.625%
HK$7,383
+HK$423/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,920/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$7,286
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,481
−HK$198/mo
Today · 4.125%
HK$7,679
baseline
▲ 0.50% · 4.625%
HK$8,084
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,358/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$7,859
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,103
−HK$249/mo
Today · 4.125%
HK$8,352
baseline
▲ 0.50% · 4.625%
HK$8,860
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,704/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$8,743
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,977
−HK$238/mo
Today · 4.125%
HK$9,215
baseline
▲ 0.50% · 4.625%
HK$9,701
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,430/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$9,169
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,454
−HK$290/mo
Today · 4.125%
HK$9,744
baseline
▲ 0.50% · 4.625%
HK$10,337
+HK$593/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,488/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,200
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,474
−HK$277/mo
Today · 4.125%
HK$10,751
baseline
▲ 0.50% · 4.625%
HK$11,318
+HK$567/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,502/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,788
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,155
−HK$373/mo
Today · 4.125%
HK$12,528
baseline
▲ 0.50% · 4.625%
HK$13,290
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,056/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,114
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,466
−HK$357/mo
Today · 4.125%
HK$13,823
baseline
▲ 0.50% · 4.625%
HK$14,552
+HK$729/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,646/mo (50% DSR)
Upfront cash ≈ HK$287K (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).