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$6,667
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,875
−HK$210/mo
Today · 4.125%
HK$7,085
baseline
▲ 0.50% · 4.625%
HK$7,517
+HK$432/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,170/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,417
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,616
−HK$202/mo
Today · 4.125%
HK$7,818
baseline
▲ 0.50% · 4.625%
HK$8,230
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,636/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,001
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,250
−HK$253/mo
Today · 4.125%
HK$8,503
baseline
▲ 0.50% · 4.625%
HK$9,020
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$17,006/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,901
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,140
−HK$242/mo
Today · 4.125%
HK$9,382
baseline
▲ 0.50% · 4.625%
HK$9,876
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,764/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,334
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$295/mo
Today · 4.125%
HK$9,920
baseline
▲ 0.50% · 4.625%
HK$10,523
+HK$603/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,840/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,384
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,663
−HK$282/mo
Today · 4.125%
HK$10,945
baseline
▲ 0.50% · 4.625%
HK$11,522
+HK$577/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,890/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,001
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$379/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,530
+HK$776/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,508/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,351
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,709
−HK$364/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,814
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,146/mo (50% DSR)
Upfront cash ≈ HK$292K (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).