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$6,622
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,828
−HK$209/mo
Today · 4.125%
HK$7,037
baseline
▲ 0.50% · 4.625%
HK$7,465
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,074/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$7,367
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,564
−HK$201/mo
Today · 4.125%
HK$7,765
baseline
▲ 0.50% · 4.625%
HK$8,174
+HK$409/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,530/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$7,946
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,193
−HK$251/mo
Today · 4.125%
HK$8,444
baseline
▲ 0.50% · 4.625%
HK$8,958
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,888/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$8,840
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,077
−HK$240/mo
Today · 4.125%
HK$9,317
baseline
▲ 0.50% · 4.625%
HK$9,809
+HK$492/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,634/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$9,270
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,559
−HK$293/mo
Today · 4.125%
HK$9,852
baseline
▲ 0.50% · 4.625%
HK$10,451
+HK$599/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$19,704/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,313
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,590
−HK$280/mo
Today · 4.125%
HK$10,870
baseline
▲ 0.50% · 4.625%
HK$11,443
+HK$573/mo
Deposit HK$871K · loan HK$2.03M · min. income ≈ HK$21,740/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,919
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$376/mo
Today · 4.125%
HK$12,666
baseline
▲ 0.50% · 4.625%
HK$13,437
+HK$771/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$25,332/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$13,260
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,615
−HK$361/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,713
+HK$737/mo
Deposit HK$290K · loan HK$2.61M · min. income ≈ HK$27,952/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).