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$6,700
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,909
−HK$211/mo
Today · 4.125%
HK$7,120
baseline
▲ 0.50% · 4.625%
HK$7,554
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,240/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$7,454
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,654
−HK$203/mo
Today · 4.125%
HK$7,857
baseline
▲ 0.50% · 4.625%
HK$8,271
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,714/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$8,040
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,290
−HK$255/mo
Today · 4.125%
HK$8,545
baseline
▲ 0.50% · 4.625%
HK$9,064
+HK$519/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,090/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$8,945
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,185
−HK$243/mo
Today · 4.125%
HK$9,428
baseline
▲ 0.50% · 4.625%
HK$9,925
+HK$497/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,856/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$9,380
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,672
−HK$297/mo
Today · 4.125%
HK$9,969
baseline
▲ 0.50% · 4.625%
HK$10,575
+HK$606/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$19,938/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,436
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,715
−HK$284/mo
Today · 4.125%
HK$10,999
baseline
▲ 0.50% · 4.625%
HK$11,579
+HK$580/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$21,998/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,060
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,436
−HK$381/mo
Today · 4.125%
HK$12,817
baseline
▲ 0.50% · 4.625%
HK$13,597
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,634/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$13,417
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,777
−HK$365/mo
Today · 4.125%
HK$14,142
baseline
▲ 0.50% · 4.625%
HK$14,888
+HK$746/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,284/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).