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$6,608
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,814
−HK$209/mo
Today · 4.125%
HK$7,023
baseline
▲ 0.50% · 4.625%
HK$7,450
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,046/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$7,352
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,549
−HK$200/mo
Today · 4.125%
HK$7,749
baseline
▲ 0.50% · 4.625%
HK$8,157
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,498/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$7,930
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,177
−HK$250/mo
Today · 4.125%
HK$8,427
baseline
▲ 0.50% · 4.625%
HK$8,940
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,854/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$8,822
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,059
−HK$240/mo
Today · 4.125%
HK$9,299
baseline
▲ 0.50% · 4.625%
HK$9,789
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,598/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$9,252
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,539
−HK$293/mo
Today · 4.125%
HK$9,832
baseline
▲ 0.50% · 4.625%
HK$10,430
+HK$598/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,664/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,292
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,568
−HK$280/mo
Today · 4.125%
HK$10,848
baseline
▲ 0.50% · 4.625%
HK$11,420
+HK$572/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$21,696/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,895
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,265
−HK$376/mo
Today · 4.125%
HK$12,641
baseline
▲ 0.50% · 4.625%
HK$13,410
+HK$769/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,282/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$13,233
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,588
−HK$360/mo
Today · 4.125%
HK$13,948
baseline
▲ 0.50% · 4.625%
HK$14,683
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,896/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).