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$6,644
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$210/mo
Today · 4.125%
HK$7,061
baseline
▲ 0.50% · 4.625%
HK$7,490
+HK$429/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,122/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$7,391
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,590
−HK$201/mo
Today · 4.125%
HK$7,791
baseline
▲ 0.50% · 4.625%
HK$8,201
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,582/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$7,973
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,221
−HK$252/mo
Today · 4.125%
HK$8,473
baseline
▲ 0.50% · 4.625%
HK$8,988
+HK$515/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,946/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$8,870
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,107
−HK$242/mo
Today · 4.125%
HK$9,349
baseline
▲ 0.50% · 4.625%
HK$9,842
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,698/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$9,302
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,591
−HK$294/mo
Today · 4.125%
HK$9,885
baseline
▲ 0.50% · 4.625%
HK$10,486
+HK$601/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,770/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$10,348
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,625
−HK$282/mo
Today · 4.125%
HK$10,907
baseline
▲ 0.50% · 4.625%
HK$11,482
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,814/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$11,959
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,331
−HK$378/mo
Today · 4.125%
HK$12,709
baseline
▲ 0.50% · 4.625%
HK$13,482
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,418/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$13,304
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,661
−HK$362/mo
Today · 4.125%
HK$14,023
baseline
▲ 0.50% · 4.625%
HK$14,762
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,046/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).