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$6,667
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,874
−HK$211/mo
Today · 4.125%
HK$7,085
baseline
▲ 0.50% · 4.625%
HK$7,516
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,170/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$7,417
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,616
−HK$201/mo
Today · 4.125%
HK$7,817
baseline
▲ 0.50% · 4.625%
HK$8,229
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,634/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$8,000
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,249
−HK$253/mo
Today · 4.125%
HK$8,502
baseline
▲ 0.50% · 4.625%
HK$9,019
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$17,004/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$8,900
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,139
−HK$242/mo
Today · 4.125%
HK$9,381
baseline
▲ 0.50% · 4.625%
HK$9,875
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,762/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$9,333
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,624
−HK$295/mo
Today · 4.125%
HK$9,919
baseline
▲ 0.50% · 4.625%
HK$10,522
+HK$603/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,838/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$10,383
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,662
−HK$282/mo
Today · 4.125%
HK$10,944
baseline
▲ 0.50% · 4.625%
HK$11,521
+HK$577/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,888/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$12,000
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,373
−HK$380/mo
Today · 4.125%
HK$12,753
baseline
▲ 0.50% · 4.625%
HK$13,529
+HK$776/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,506/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$13,350
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,708
−HK$363/mo
Today · 4.125%
HK$14,071
baseline
▲ 0.50% · 4.625%
HK$14,813
+HK$742/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,142/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).