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$6,618
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,824
−HK$209/mo
Today · 4.125%
HK$7,033
baseline
▲ 0.50% · 4.625%
HK$7,461
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,066/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$7,362
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,560
−HK$200/mo
Today · 4.125%
HK$7,760
baseline
▲ 0.50% · 4.625%
HK$8,169
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,520/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$7,941
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$251/mo
Today · 4.125%
HK$8,439
baseline
▲ 0.50% · 4.625%
HK$8,953
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,878/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$8,835
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,072
−HK$240/mo
Today · 4.125%
HK$9,312
baseline
▲ 0.50% · 4.625%
HK$9,803
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,624/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$9,265
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,553
−HK$293/mo
Today · 4.125%
HK$9,846
baseline
▲ 0.50% · 4.625%
HK$10,445
+HK$599/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$19,692/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,307
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,584
−HK$280/mo
Today · 4.125%
HK$10,864
baseline
▲ 0.50% · 4.625%
HK$11,437
+HK$573/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$21,728/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,912
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$376/mo
Today · 4.125%
HK$12,659
baseline
▲ 0.50% · 4.625%
HK$13,429
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,318/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$13,252
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,607
−HK$361/mo
Today · 4.125%
HK$13,968
baseline
▲ 0.50% · 4.625%
HK$14,704
+HK$736/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,936/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).