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$6,663
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,870
−HK$211/mo
Today · 4.125%
HK$7,081
baseline
▲ 0.50% · 4.625%
HK$7,512
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,162/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$7,413
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,611
−HK$202/mo
Today · 4.125%
HK$7,813
baseline
▲ 0.50% · 4.625%
HK$8,225
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,626/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$7,996
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,244
−HK$253/mo
Today · 4.125%
HK$8,497
baseline
▲ 0.50% · 4.625%
HK$9,014
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,994/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$8,895
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,134
−HK$242/mo
Today · 4.125%
HK$9,376
baseline
▲ 0.50% · 4.625%
HK$9,870
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,752/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$9,328
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,619
−HK$294/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,517
+HK$604/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,826/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,378
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,656
−HK$282/mo
Today · 4.125%
HK$10,938
baseline
▲ 0.50% · 4.625%
HK$11,515
+HK$577/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,876/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,994
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,367
−HK$379/mo
Today · 4.125%
HK$12,746
baseline
▲ 0.50% · 4.625%
HK$13,521
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,492/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,343
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,701
−HK$363/mo
Today · 4.125%
HK$14,064
baseline
▲ 0.50% · 4.625%
HK$14,805
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,128/mo (50% DSR)
Upfront cash ≈ HK$292K (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).