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$6,680
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,887
−HK$212/mo
Today · 4.125%
HK$7,099
baseline
▲ 0.50% · 4.625%
HK$7,530
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,198/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$7,431
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,630
−HK$203/mo
Today · 4.125%
HK$7,833
baseline
▲ 0.50% · 4.625%
HK$8,245
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,666/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$8,016
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,265
−HK$253/mo
Today · 4.125%
HK$8,518
baseline
▲ 0.50% · 4.625%
HK$9,037
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,036/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$8,917
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$243/mo
Today · 4.125%
HK$9,399
baseline
▲ 0.50% · 4.625%
HK$9,895
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,798/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$9,352
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$296/mo
Today · 4.125%
HK$9,938
baseline
▲ 0.50% · 4.625%
HK$10,543
+HK$605/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$19,876/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,404
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,683
−HK$283/mo
Today · 4.125%
HK$10,966
baseline
▲ 0.50% · 4.625%
HK$11,544
+HK$578/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$21,932/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,023
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,397
−HK$380/mo
Today · 4.125%
HK$12,777
baseline
▲ 0.50% · 4.625%
HK$13,555
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,554/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$13,376
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,735
−HK$364/mo
Today · 4.125%
HK$14,099
baseline
▲ 0.50% · 4.625%
HK$14,842
+HK$743/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,198/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).