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$6,650
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,857
−HK$210/mo
Today · 4.125%
HK$7,067
baseline
▲ 0.50% · 4.625%
HK$7,498
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,134/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$7,399
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,597
−HK$201/mo
Today · 4.125%
HK$7,798
baseline
▲ 0.50% · 4.625%
HK$8,209
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,596/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$7,981
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,229
−HK$252/mo
Today · 4.125%
HK$8,481
baseline
▲ 0.50% · 4.625%
HK$8,997
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,962/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$8,878
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,116
−HK$242/mo
Today · 4.125%
HK$9,358
baseline
▲ 0.50% · 4.625%
HK$9,851
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,716/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$9,311
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,600
−HK$294/mo
Today · 4.125%
HK$9,894
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$603/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,788/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,358
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,636
−HK$282/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,493
+HK$575/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,836/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,971
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,343
−HK$378/mo
Today · 4.125%
HK$12,721
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$775/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$25,442/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$13,317
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,675
−HK$362/mo
Today · 4.125%
HK$14,037
baseline
▲ 0.50% · 4.625%
HK$14,777
+HK$740/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$28,074/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).