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$6,699
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,907
−HK$212/mo
Today · 4.125%
HK$7,119
baseline
▲ 0.50% · 4.625%
HK$7,552
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,238/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,452
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,652
−HK$203/mo
Today · 4.125%
HK$7,855
baseline
▲ 0.50% · 4.625%
HK$8,269
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,710/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,038
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,288
−HK$254/mo
Today · 4.125%
HK$8,542
baseline
▲ 0.50% · 4.625%
HK$9,062
+HK$520/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,084/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,943
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,182
−HK$244/mo
Today · 4.125%
HK$9,426
baseline
▲ 0.50% · 4.625%
HK$9,923
+HK$497/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,852/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,378
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,670
−HK$296/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,573
+HK$607/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,932/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,433
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,713
−HK$284/mo
Today · 4.125%
HK$10,997
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$579/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,994/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,058
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,433
−HK$381/mo
Today · 4.125%
HK$12,814
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$779/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,628/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,414
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,774
−HK$365/mo
Today · 4.125%
HK$14,139
baseline
▲ 0.50% · 4.625%
HK$14,884
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,278/mo (50% DSR)
Upfront cash ≈ HK$294K (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).