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$6,598
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,803
−HK$208/mo
Today · 4.125%
HK$7,011
baseline
▲ 0.50% · 4.625%
HK$7,438
+HK$427/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,022/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$7,340
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,537
−HK$199/mo
Today · 4.125%
HK$7,736
baseline
▲ 0.50% · 4.625%
HK$8,144
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,472/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$7,917
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$251/mo
Today · 4.125%
HK$8,414
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$512/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$16,828/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$8,808
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,044
−HK$240/mo
Today · 4.125%
HK$9,284
baseline
▲ 0.50% · 4.625%
HK$9,773
+HK$489/mo
Deposit HK$1.16M · loan HK$1.74M · min. income ≈ HK$18,568/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$9,237
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,524
−HK$292/mo
Today · 4.125%
HK$9,816
baseline
▲ 0.50% · 4.625%
HK$10,413
+HK$597/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$19,632/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$10,276
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,551
−HK$280/mo
Today · 4.125%
HK$10,831
baseline
▲ 0.50% · 4.625%
HK$11,402
+HK$571/mo
Deposit HK$868K · loan HK$2.03M · min. income ≈ HK$21,662/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$11,876
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,245
−HK$376/mo
Today · 4.125%
HK$12,621
baseline
▲ 0.50% · 4.625%
HK$13,388
+HK$767/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,242/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$13,212
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,566
−HK$359/mo
Today · 4.125%
HK$13,925
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$735/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,850/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).