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$6,633
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$209/mo
Today · 4.125%
HK$7,049
baseline
▲ 0.50% · 4.625%
HK$7,478
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,098/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$7,380
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,577
−HK$201/mo
Today · 4.125%
HK$7,778
baseline
▲ 0.50% · 4.625%
HK$8,188
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,556/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$7,960
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,208
−HK$251/mo
Today · 4.125%
HK$8,459
baseline
▲ 0.50% · 4.625%
HK$8,974
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,918/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$8,855
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$241/mo
Today · 4.125%
HK$9,334
baseline
▲ 0.50% · 4.625%
HK$9,826
+HK$492/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,668/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$9,287
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,576
−HK$293/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,470
+HK$601/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,738/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,331
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,608
−HK$282/mo
Today · 4.125%
HK$10,890
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$574/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,780/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,940
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,311
−HK$378/mo
Today · 4.125%
HK$12,689
baseline
▲ 0.50% · 4.625%
HK$13,461
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,378/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,283
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$362/mo
Today · 4.125%
HK$14,001
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,002/mo (50% DSR)
Upfront cash ≈ HK$291K (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).