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$6,709
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$212/mo
Today · 4.125%
HK$7,130
baseline
▲ 0.50% · 4.625%
HK$7,564
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,260/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$7,464
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,664
−HK$203/mo
Today · 4.125%
HK$7,867
baseline
▲ 0.50% · 4.625%
HK$8,282
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,734/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$8,051
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,302
−HK$254/mo
Today · 4.125%
HK$8,556
baseline
▲ 0.50% · 4.625%
HK$9,077
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,112/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$8,957
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,197
−HK$244/mo
Today · 4.125%
HK$9,441
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$497/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,882/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$9,393
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,685
−HK$297/mo
Today · 4.125%
HK$9,982
baseline
▲ 0.50% · 4.625%
HK$10,590
+HK$608/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,964/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$10,450
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,730
−HK$284/mo
Today · 4.125%
HK$11,014
baseline
▲ 0.50% · 4.625%
HK$11,595
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,028/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$12,077
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$381/mo
Today · 4.125%
HK$12,834
baseline
▲ 0.50% · 4.625%
HK$13,615
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,668/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$13,435
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,796
−HK$365/mo
Today · 4.125%
HK$14,161
baseline
▲ 0.50% · 4.625%
HK$14,908
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,322/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).