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$6,714
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,923
−HK$212/mo
Today · 4.125%
HK$7,135
baseline
▲ 0.50% · 4.625%
HK$7,570
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,270/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$7,470
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,670
−HK$203/mo
Today · 4.125%
HK$7,873
baseline
▲ 0.50% · 4.625%
HK$8,288
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,746/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$8,057
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,308
−HK$254/mo
Today · 4.125%
HK$8,562
baseline
▲ 0.50% · 4.625%
HK$9,083
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,124/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$8,964
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,204
−HK$244/mo
Today · 4.125%
HK$9,448
baseline
▲ 0.50% · 4.625%
HK$9,946
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,896/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$9,400
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,692
−HK$298/mo
Today · 4.125%
HK$9,990
baseline
▲ 0.50% · 4.625%
HK$10,597
+HK$607/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,980/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$10,457
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,738
−HK$284/mo
Today · 4.125%
HK$11,022
baseline
▲ 0.50% · 4.625%
HK$11,603
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,044/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$12,086
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,462
−HK$382/mo
Today · 4.125%
HK$12,844
baseline
▲ 0.50% · 4.625%
HK$13,625
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,688/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$13,445
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$366/mo
Today · 4.125%
HK$14,172
baseline
▲ 0.50% · 4.625%
HK$14,919
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,344/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).