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$6,571
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,776
−HK$208/mo
Today · 4.125%
HK$6,984
baseline
▲ 0.50% · 4.625%
HK$7,408
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,968/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$7,311
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$199/mo
Today · 4.125%
HK$7,706
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,412/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$7,886
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,131
−HK$249/mo
Today · 4.125%
HK$8,380
baseline
▲ 0.50% · 4.625%
HK$8,890
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,760/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$8,773
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,008
−HK$239/mo
Today · 4.125%
HK$9,247
baseline
▲ 0.50% · 4.625%
HK$9,734
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,494/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$9,200
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$291/mo
Today · 4.125%
HK$9,777
baseline
▲ 0.50% · 4.625%
HK$10,372
+HK$595/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$19,554/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,235
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,509
−HK$279/mo
Today · 4.125%
HK$10,788
baseline
▲ 0.50% · 4.625%
HK$11,357
+HK$569/mo
Deposit HK$865K · loan HK$2.02M · min. income ≈ HK$21,576/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,829
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,197
−HK$373/mo
Today · 4.125%
HK$12,570
baseline
▲ 0.50% · 4.625%
HK$13,335
+HK$765/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,140/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$13,159
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,512
−HK$358/mo
Today · 4.125%
HK$13,870
baseline
▲ 0.50% · 4.625%
HK$14,601
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,740/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).