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$6,669
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,877
−HK$211/mo
Today · 4.125%
HK$7,088
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,176/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$7,420
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,619
−HK$202/mo
Today · 4.125%
HK$7,821
baseline
▲ 0.50% · 4.625%
HK$8,233
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,642/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$8,003
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,252
−HK$253/mo
Today · 4.125%
HK$8,505
baseline
▲ 0.50% · 4.625%
HK$9,023
+HK$518/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$17,010/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$8,904
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,142
−HK$243/mo
Today · 4.125%
HK$9,385
baseline
▲ 0.50% · 4.625%
HK$9,879
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,770/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$9,337
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$295/mo
Today · 4.125%
HK$9,923
baseline
▲ 0.50% · 4.625%
HK$10,527
+HK$604/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,846/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$10,388
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,666
−HK$283/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,526
+HK$577/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,898/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$12,005
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,379
−HK$379/mo
Today · 4.125%
HK$12,758
baseline
▲ 0.50% · 4.625%
HK$13,534
+HK$776/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,516/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$13,356
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,714
−HK$363/mo
Today · 4.125%
HK$14,077
baseline
▲ 0.50% · 4.625%
HK$14,819
+HK$742/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,154/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).