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$6,643
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,850
−HK$210/mo
Today · 4.125%
HK$7,060
baseline
▲ 0.50% · 4.625%
HK$7,489
+HK$429/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,120/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$7,390
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,588
−HK$201/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,578/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$7,972
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$252/mo
Today · 4.125%
HK$8,471
baseline
▲ 0.50% · 4.625%
HK$8,987
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,942/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$8,868
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,106
−HK$241/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,694/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$9,300
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,589
−HK$294/mo
Today · 4.125%
HK$9,883
baseline
▲ 0.50% · 4.625%
HK$10,485
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,766/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,346
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,624
−HK$281/mo
Today · 4.125%
HK$10,905
baseline
▲ 0.50% · 4.625%
HK$11,480
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,810/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,957
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,329
−HK$378/mo
Today · 4.125%
HK$12,707
baseline
▲ 0.50% · 4.625%
HK$13,480
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,414/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,302
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,659
−HK$362/mo
Today · 4.125%
HK$14,021
baseline
▲ 0.50% · 4.625%
HK$14,760
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,042/mo (50% DSR)
Upfront cash ≈ HK$291K (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).