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$6,722
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,931
−HK$213/mo
Today · 4.125%
HK$7,144
baseline
▲ 0.50% · 4.625%
HK$7,578
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,288/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$7,478
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,679
−HK$203/mo
Today · 4.125%
HK$7,882
baseline
▲ 0.50% · 4.625%
HK$8,298
+HK$416/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,764/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$8,067
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,318
−HK$255/mo
Today · 4.125%
HK$8,573
baseline
▲ 0.50% · 4.625%
HK$9,094
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,146/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$8,974
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,215
−HK$244/mo
Today · 4.125%
HK$9,459
baseline
▲ 0.50% · 4.625%
HK$9,958
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,918/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$9,411
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,704
−HK$297/mo
Today · 4.125%
HK$10,001
baseline
▲ 0.50% · 4.625%
HK$10,610
+HK$609/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$20,002/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,470
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,751
−HK$284/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,617
+HK$582/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,070/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,100
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,476
−HK$383/mo
Today · 4.125%
HK$12,859
baseline
▲ 0.50% · 4.625%
HK$13,641
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,718/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$13,461
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$366/mo
Today · 4.125%
HK$14,188
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,376/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).