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$6,570
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,775
−HK$207/mo
Today · 4.125%
HK$6,982
baseline
▲ 0.50% · 4.625%
HK$7,407
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,964/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$7,309
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,505
−HK$199/mo
Today · 4.125%
HK$7,704
baseline
▲ 0.50% · 4.625%
HK$8,110
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,408/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$7,884
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,130
−HK$249/mo
Today · 4.125%
HK$8,379
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$510/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,758/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,771
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,007
−HK$238/mo
Today · 4.125%
HK$9,245
baseline
▲ 0.50% · 4.625%
HK$9,733
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,490/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,198
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$290/mo
Today · 4.125%
HK$9,775
baseline
▲ 0.50% · 4.625%
HK$10,370
+HK$595/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,550/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,233
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,508
−HK$278/mo
Today · 4.125%
HK$10,786
baseline
▲ 0.50% · 4.625%
HK$11,355
+HK$569/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,572/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,827
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,194
−HK$374/mo
Today · 4.125%
HK$12,568
baseline
▲ 0.50% · 4.625%
HK$13,333
+HK$765/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,136/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,157
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$358/mo
Today · 4.125%
HK$13,868
baseline
▲ 0.50% · 4.625%
HK$14,599
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,736/mo (50% DSR)
Upfront cash ≈ HK$288K (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).