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$6,641
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,847
−HK$210/mo
Today · 4.125%
HK$7,057
baseline
▲ 0.50% · 4.625%
HK$7,486
+HK$429/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,114/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$7,388
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,586
−HK$201/mo
Today · 4.125%
HK$7,787
baseline
▲ 0.50% · 4.625%
HK$8,197
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,574/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$7,969
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,217
−HK$251/mo
Today · 4.125%
HK$8,468
baseline
▲ 0.50% · 4.625%
HK$8,984
+HK$516/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,936/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,865
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,103
−HK$241/mo
Today · 4.125%
HK$9,344
baseline
▲ 0.50% · 4.625%
HK$9,837
+HK$493/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,688/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,297
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,586
−HK$294/mo
Today · 4.125%
HK$9,880
baseline
▲ 0.50% · 4.625%
HK$10,481
+HK$601/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,760/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$10,343
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,620
−HK$281/mo
Today · 4.125%
HK$10,901
baseline
▲ 0.50% · 4.625%
HK$11,476
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,802/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$11,953
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,325
−HK$378/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,475
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,406/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$13,298
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,654
−HK$362/mo
Today · 4.125%
HK$14,016
baseline
▲ 0.50% · 4.625%
HK$14,755
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,032/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).