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$6,596
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,801
−HK$209/mo
Today · 4.125%
HK$7,010
baseline
▲ 0.50% · 4.625%
HK$7,436
+HK$426/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,020/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$7,338
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,535
−HK$199/mo
Today · 4.125%
HK$7,734
baseline
▲ 0.50% · 4.625%
HK$8,142
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,468/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$7,915
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,161
−HK$251/mo
Today · 4.125%
HK$8,412
baseline
▲ 0.50% · 4.625%
HK$8,923
+HK$511/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,824/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$8,806
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,042
−HK$239/mo
Today · 4.125%
HK$9,281
baseline
▲ 0.50% · 4.625%
HK$9,771
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,562/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$9,234
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,522
−HK$291/mo
Today · 4.125%
HK$9,813
baseline
▲ 0.50% · 4.625%
HK$10,411
+HK$598/mo
Deposit HK$868K · loan HK$2.02M · min. income ≈ HK$19,626/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,273
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,549
−HK$279/mo
Today · 4.125%
HK$10,828
baseline
▲ 0.50% · 4.625%
HK$11,399
+HK$571/mo
Deposit HK$868K · loan HK$2.02M · min. income ≈ HK$21,656/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,873
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,242
−HK$375/mo
Today · 4.125%
HK$12,617
baseline
▲ 0.50% · 4.625%
HK$13,385
+HK$768/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,234/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,208
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,563
−HK$359/mo
Today · 4.125%
HK$13,922
baseline
▲ 0.50% · 4.625%
HK$14,656
+HK$734/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,844/mo (50% DSR)
Upfront cash ≈ HK$289K (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).