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$6,713
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,922
−HK$212/mo
Today · 4.125%
HK$7,134
baseline
▲ 0.50% · 4.625%
HK$7,568
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,268/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$7,468
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,669
−HK$203/mo
Today · 4.125%
HK$7,872
baseline
▲ 0.50% · 4.625%
HK$8,287
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,744/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$8,056
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,306
−HK$255/mo
Today · 4.125%
HK$8,561
baseline
▲ 0.50% · 4.625%
HK$9,082
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,122/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$8,962
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,202
−HK$244/mo
Today · 4.125%
HK$9,446
baseline
▲ 0.50% · 4.625%
HK$9,944
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,892/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$9,398
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,691
−HK$297/mo
Today · 4.125%
HK$9,988
baseline
▲ 0.50% · 4.625%
HK$10,596
+HK$608/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,976/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,456
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,736
−HK$285/mo
Today · 4.125%
HK$11,021
baseline
▲ 0.50% · 4.625%
HK$11,601
+HK$580/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,042/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,084
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,460
−HK$381/mo
Today · 4.125%
HK$12,841
baseline
▲ 0.50% · 4.625%
HK$13,623
+HK$782/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,682/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,443
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,804
−HK$365/mo
Today · 4.125%
HK$14,169
baseline
▲ 0.50% · 4.625%
HK$14,916
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,338/mo (50% DSR)
Upfront cash ≈ HK$295K (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).