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$6,672
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,879
−HK$211/mo
Today · 4.125%
HK$7,090
baseline
▲ 0.50% · 4.625%
HK$7,522
+HK$432/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,180/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$7,422
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,621
−HK$202/mo
Today · 4.125%
HK$7,823
baseline
▲ 0.50% · 4.625%
HK$8,236
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,646/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$8,006
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,255
−HK$253/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$9,026
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,016/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$8,907
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$242/mo
Today · 4.125%
HK$9,388
baseline
▲ 0.50% · 4.625%
HK$9,883
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,776/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$9,340
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$295/mo
Today · 4.125%
HK$9,926
baseline
▲ 0.50% · 4.625%
HK$10,530
+HK$604/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,852/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,391
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,670
−HK$283/mo
Today · 4.125%
HK$10,953
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$577/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,906/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,009
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$379/mo
Today · 4.125%
HK$12,762
baseline
▲ 0.50% · 4.625%
HK$13,539
+HK$777/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,524/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,360
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,718
−HK$364/mo
Today · 4.125%
HK$14,082
baseline
▲ 0.50% · 4.625%
HK$14,824
+HK$742/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,164/mo (50% DSR)
Upfront cash ≈ HK$293K (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).