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$6,614
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,819
−HK$209/mo
Today · 4.125%
HK$7,028
baseline
▲ 0.50% · 4.625%
HK$7,456
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,056/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$7,358
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,555
−HK$200/mo
Today · 4.125%
HK$7,755
baseline
▲ 0.50% · 4.625%
HK$8,164
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,510/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$7,936
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$251/mo
Today · 4.125%
HK$8,434
baseline
▲ 0.50% · 4.625%
HK$8,947
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,868/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$8,829
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,066
−HK$240/mo
Today · 4.125%
HK$9,306
baseline
▲ 0.50% · 4.625%
HK$9,797
+HK$491/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,612/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$9,259
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,547
−HK$293/mo
Today · 4.125%
HK$9,840
baseline
▲ 0.50% · 4.625%
HK$10,438
+HK$598/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$19,680/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$10,301
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,577
−HK$280/mo
Today · 4.125%
HK$10,857
baseline
▲ 0.50% · 4.625%
HK$11,429
+HK$572/mo
Deposit HK$870K · loan HK$2.03M · min. income ≈ HK$21,714/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$11,905
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,275
−HK$376/mo
Today · 4.125%
HK$12,651
baseline
▲ 0.50% · 4.625%
HK$13,421
+HK$770/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,302/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$13,244
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,599
−HK$360/mo
Today · 4.125%
HK$13,959
baseline
▲ 0.50% · 4.625%
HK$14,695
+HK$736/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,918/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).