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$6,640
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,847
−HK$209/mo
Today · 4.125%
HK$7,056
baseline
▲ 0.50% · 4.625%
HK$7,486
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,112/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$7,387
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,585
−HK$201/mo
Today · 4.125%
HK$7,786
baseline
▲ 0.50% · 4.625%
HK$8,196
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,572/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$7,968
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,216
−HK$252/mo
Today · 4.125%
HK$8,468
baseline
▲ 0.50% · 4.625%
HK$8,983
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,936/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,864
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,102
−HK$241/mo
Today · 4.125%
HK$9,343
baseline
▲ 0.50% · 4.625%
HK$9,836
+HK$493/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,686/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,296
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,585
−HK$294/mo
Today · 4.125%
HK$9,879
baseline
▲ 0.50% · 4.625%
HK$10,480
+HK$601/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,758/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$10,342
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,619
−HK$282/mo
Today · 4.125%
HK$10,901
baseline
▲ 0.50% · 4.625%
HK$11,475
+HK$574/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,802/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$11,952
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,324
−HK$378/mo
Today · 4.125%
HK$12,702
baseline
▲ 0.50% · 4.625%
HK$13,474
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,404/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$13,297
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,653
−HK$362/mo
Today · 4.125%
HK$14,015
baseline
▲ 0.50% · 4.625%
HK$14,754
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,030/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).