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$6,605
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,810
−HK$209/mo
Today · 4.125%
HK$7,019
baseline
▲ 0.50% · 4.625%
HK$7,446
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,038/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$7,348
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,545
−HK$199/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,153
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,488/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$7,925
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,172
−HK$250/mo
Today · 4.125%
HK$8,422
baseline
▲ 0.50% · 4.625%
HK$8,935
+HK$513/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,844/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$8,817
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,053
−HK$240/mo
Today · 4.125%
HK$9,293
baseline
▲ 0.50% · 4.625%
HK$9,783
+HK$490/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,586/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$9,246
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,534
−HK$292/mo
Today · 4.125%
HK$9,826
baseline
▲ 0.50% · 4.625%
HK$10,424
+HK$598/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$19,652/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,287
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,562
−HK$280/mo
Today · 4.125%
HK$10,842
baseline
▲ 0.50% · 4.625%
HK$11,414
+HK$572/mo
Deposit HK$869K · loan HK$2.03M · min. income ≈ HK$21,684/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,888
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,258
−HK$376/mo
Today · 4.125%
HK$12,634
baseline
▲ 0.50% · 4.625%
HK$13,402
+HK$768/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,268/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$13,226
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,580
−HK$360/mo
Today · 4.125%
HK$13,940
baseline
▲ 0.50% · 4.625%
HK$14,675
+HK$735/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,880/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).