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$6,630
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,837
−HK$209/mo
Today · 4.125%
HK$7,046
baseline
▲ 0.50% · 4.625%
HK$7,475
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,092/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$7,376
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,574
−HK$201/mo
Today · 4.125%
HK$7,775
baseline
▲ 0.50% · 4.625%
HK$8,185
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,550/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$7,957
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,204
−HK$251/mo
Today · 4.125%
HK$8,455
baseline
▲ 0.50% · 4.625%
HK$8,970
+HK$515/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,910/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$8,852
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,089
−HK$241/mo
Today · 4.125%
HK$9,330
baseline
▲ 0.50% · 4.625%
HK$9,822
+HK$492/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,660/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$9,283
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,571
−HK$294/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,465
+HK$600/mo
Deposit HK$872K · loan HK$2.04M · min. income ≈ HK$19,730/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,327
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,604
−HK$281/mo
Today · 4.125%
HK$10,885
baseline
▲ 0.50% · 4.625%
HK$11,458
+HK$573/mo
Deposit HK$872K · loan HK$2.04M · min. income ≈ HK$21,770/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,935
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$377/mo
Today · 4.125%
HK$12,683
baseline
▲ 0.50% · 4.625%
HK$13,455
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,366/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$13,277
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,633
−HK$362/mo
Today · 4.125%
HK$13,995
baseline
▲ 0.50% · 4.625%
HK$14,732
+HK$737/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$27,990/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).