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$6,656
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,863
−HK$210/mo
Today · 4.125%
HK$7,073
baseline
▲ 0.50% · 4.625%
HK$7,504
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,146/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$7,405
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,603
−HK$202/mo
Today · 4.125%
HK$7,805
baseline
▲ 0.50% · 4.625%
HK$8,216
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,610/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$7,987
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,235
−HK$253/mo
Today · 4.125%
HK$8,488
baseline
▲ 0.50% · 4.625%
HK$9,004
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,976/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$8,885
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$242/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,859
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,732/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$9,318
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,608
−HK$295/mo
Today · 4.125%
HK$9,903
baseline
▲ 0.50% · 4.625%
HK$10,505
+HK$602/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,806/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,366
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,644
−HK$282/mo
Today · 4.125%
HK$10,926
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$576/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,852/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,981
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,353
−HK$379/mo
Today · 4.125%
HK$12,732
baseline
▲ 0.50% · 4.625%
HK$13,507
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,464/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$13,328
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$362/mo
Today · 4.125%
HK$14,048
baseline
▲ 0.50% · 4.625%
HK$14,789
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,096/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).