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$6,589
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,794
−HK$208/mo
Today · 4.125%
HK$7,002
baseline
▲ 0.50% · 4.625%
HK$7,429
+HK$427/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$14,004/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,331
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,527
−HK$200/mo
Today · 4.125%
HK$7,727
baseline
▲ 0.50% · 4.625%
HK$8,134
+HK$407/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,454/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,907
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,153
−HK$250/mo
Today · 4.125%
HK$8,403
baseline
▲ 0.50% · 4.625%
HK$8,914
+HK$511/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,806/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$8,797
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,033
−HK$239/mo
Today · 4.125%
HK$9,272
baseline
▲ 0.50% · 4.625%
HK$9,761
+HK$489/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,544/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$9,225
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,512
−HK$291/mo
Today · 4.125%
HK$9,803
baseline
▲ 0.50% · 4.625%
HK$10,400
+HK$597/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$19,606/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,263
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,538
−HK$279/mo
Today · 4.125%
HK$10,817
baseline
▲ 0.50% · 4.625%
HK$11,387
+HK$570/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$21,634/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,861
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,230
−HK$374/mo
Today · 4.125%
HK$12,604
baseline
▲ 0.50% · 4.625%
HK$13,371
+HK$767/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,208/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$13,195
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,549
−HK$359/mo
Today · 4.125%
HK$13,908
baseline
▲ 0.50% · 4.625%
HK$14,641
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,816/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).