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$6,639
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,846
−HK$209/mo
Today · 4.125%
HK$7,055
baseline
▲ 0.50% · 4.625%
HK$7,485
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,110/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$7,386
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,584
−HK$201/mo
Today · 4.125%
HK$7,785
baseline
▲ 0.50% · 4.625%
HK$8,195
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,570/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$7,967
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,215
−HK$251/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,982
+HK$516/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,932/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$8,863
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,101
−HK$241/mo
Today · 4.125%
HK$9,342
baseline
▲ 0.50% · 4.625%
HK$9,834
+HK$492/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,684/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$9,295
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,584
−HK$294/mo
Today · 4.125%
HK$9,878
baseline
▲ 0.50% · 4.625%
HK$10,479
+HK$601/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,756/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,340
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,618
−HK$281/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,473
+HK$574/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,798/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,950
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,322
−HK$378/mo
Today · 4.125%
HK$12,700
baseline
▲ 0.50% · 4.625%
HK$13,472
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,400/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,295
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,651
−HK$362/mo
Today · 4.125%
HK$14,013
baseline
▲ 0.50% · 4.625%
HK$14,751
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,026/mo (50% DSR)
Upfront cash ≈ HK$291K (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).