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$6,648
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,855
−HK$210/mo
Today · 4.125%
HK$7,065
baseline
▲ 0.50% · 4.625%
HK$7,495
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,130/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$7,396
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,594
−HK$201/mo
Today · 4.125%
HK$7,795
baseline
▲ 0.50% · 4.625%
HK$8,206
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,590/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$7,977
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,226
−HK$252/mo
Today · 4.125%
HK$8,478
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$515/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,956/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$8,875
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,113
−HK$241/mo
Today · 4.125%
HK$9,354
baseline
▲ 0.50% · 4.625%
HK$9,847
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,708/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$9,307
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,596
−HK$295/mo
Today · 4.125%
HK$9,891
baseline
▲ 0.50% · 4.625%
HK$10,492
+HK$601/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,782/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$10,354
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,632
−HK$281/mo
Today · 4.125%
HK$10,913
baseline
▲ 0.50% · 4.625%
HK$11,489
+HK$576/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,826/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$11,966
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,338
−HK$378/mo
Today · 4.125%
HK$12,716
baseline
▲ 0.50% · 4.625%
HK$13,490
+HK$774/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$25,432/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$13,312
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,669
−HK$362/mo
Today · 4.125%
HK$14,031
baseline
▲ 0.50% · 4.625%
HK$14,771
+HK$740/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$28,062/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).