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$6,631
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,837
−HK$210/mo
Today · 4.125%
HK$7,047
baseline
▲ 0.50% · 4.625%
HK$7,475
+HK$428/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,094/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$7,377
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,575
−HK$200/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$499/mo
▼ 0.25% · 3.875%
HK$8,204
−HK$252/mo
Today · 4.125%
HK$8,456
baseline
▲ 0.50% · 4.625%
HK$8,970
+HK$514/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,912/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$9,572
−HK$293/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,466
+HK$601/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$11,459
+HK$574/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$749/mo
▼ 0.25% · 3.875%
HK$12,307
−HK$377/mo
Today · 4.125%
HK$12,684
baseline
▲ 0.50% · 4.625%
HK$13,456
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,368/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$13,278
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,634
−HK$361/mo
Today · 4.125%
HK$13,995
baseline
▲ 0.50% · 4.625%
HK$14,733
+HK$738/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).