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$6,685
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,893
−HK$211/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,536
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,208/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$7,437
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,636
−HK$202/mo
Today · 4.125%
HK$7,838
baseline
▲ 0.50% · 4.625%
HK$8,252
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,676/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$8,022
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,271
−HK$254/mo
Today · 4.125%
HK$8,525
baseline
▲ 0.50% · 4.625%
HK$9,043
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,050/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$8,924
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,163
−HK$243/mo
Today · 4.125%
HK$9,406
baseline
▲ 0.50% · 4.625%
HK$9,902
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,812/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$9,359
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,650
−HK$295/mo
Today · 4.125%
HK$9,945
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$606/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$19,890/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$10,411
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$283/mo
Today · 4.125%
HK$10,974
baseline
▲ 0.50% · 4.625%
HK$11,552
+HK$578/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$21,948/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$12,032
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,407
−HK$380/mo
Today · 4.125%
HK$12,787
baseline
▲ 0.50% · 4.625%
HK$13,565
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,574/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$13,386
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,745
−HK$364/mo
Today · 4.125%
HK$14,109
baseline
▲ 0.50% · 4.625%
HK$14,853
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,218/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).