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$6,688
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,896
−HK$211/mo
Today · 4.125%
HK$7,107
baseline
▲ 0.50% · 4.625%
HK$7,539
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,214/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$7,440
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,639
−HK$203/mo
Today · 4.125%
HK$7,842
baseline
▲ 0.50% · 4.625%
HK$8,255
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,684/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$8,025
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,275
−HK$253/mo
Today · 4.125%
HK$8,528
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,056/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$8,928
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,167
−HK$243/mo
Today · 4.125%
HK$9,410
baseline
▲ 0.50% · 4.625%
HK$9,906
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,820/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$9,363
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$296/mo
Today · 4.125%
HK$9,950
baseline
▲ 0.50% · 4.625%
HK$10,555
+HK$605/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,900/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,416
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$284/mo
Today · 4.125%
HK$10,979
baseline
▲ 0.50% · 4.625%
HK$11,557
+HK$578/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,958/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,038
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,412
−HK$381/mo
Today · 4.125%
HK$12,793
baseline
▲ 0.50% · 4.625%
HK$13,571
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,586/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$13,392
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,751
−HK$364/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,859
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,230/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).