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$6,565
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,769
−HK$208/mo
Today · 4.125%
HK$6,977
baseline
▲ 0.50% · 4.625%
HK$7,401
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,954/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$7,304
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,499
−HK$199/mo
Today · 4.125%
HK$7,698
baseline
▲ 0.50% · 4.625%
HK$8,104
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,396/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$7,878
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,123
−HK$249/mo
Today · 4.125%
HK$8,372
baseline
▲ 0.50% · 4.625%
HK$8,881
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,744/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$8,764
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,999
−HK$239/mo
Today · 4.125%
HK$9,238
baseline
▲ 0.50% · 4.625%
HK$9,725
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,476/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$9,191
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,477
−HK$290/mo
Today · 4.125%
HK$9,767
baseline
▲ 0.50% · 4.625%
HK$10,362
+HK$595/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,534/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$10,225
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,499
−HK$278/mo
Today · 4.125%
HK$10,777
baseline
▲ 0.50% · 4.625%
HK$11,345
+HK$568/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,554/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$11,817
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,185
−HK$373/mo
Today · 4.125%
HK$12,558
baseline
▲ 0.50% · 4.625%
HK$13,322
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,116/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$13,146
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,499
−HK$358/mo
Today · 4.125%
HK$13,857
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,714/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).