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$6,699
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,908
−HK$211/mo
Today · 4.125%
HK$7,119
baseline
▲ 0.50% · 4.625%
HK$7,553
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,238/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$7,453
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,653
−HK$202/mo
Today · 4.125%
HK$7,855
baseline
▲ 0.50% · 4.625%
HK$8,270
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,710/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$8,039
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,289
−HK$254/mo
Today · 4.125%
HK$8,543
baseline
▲ 0.50% · 4.625%
HK$9,063
+HK$520/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,086/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,943
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,183
−HK$244/mo
Today · 4.125%
HK$9,427
baseline
▲ 0.50% · 4.625%
HK$9,923
+HK$496/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,854/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,379
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,671
−HK$296/mo
Today · 4.125%
HK$9,967
baseline
▲ 0.50% · 4.625%
HK$10,574
+HK$607/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,934/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,434
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,714
−HK$284/mo
Today · 4.125%
HK$10,998
baseline
▲ 0.50% · 4.625%
HK$11,577
+HK$579/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,996/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,059
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$381/mo
Today · 4.125%
HK$12,815
baseline
▲ 0.50% · 4.625%
HK$13,595
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,630/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,415
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$365/mo
Today · 4.125%
HK$14,140
baseline
▲ 0.50% · 4.625%
HK$14,885
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,280/mo (50% DSR)
Upfront cash ≈ HK$294K (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).