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$6,683
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,891
−HK$211/mo
Today · 4.125%
HK$7,102
baseline
▲ 0.50% · 4.625%
HK$7,534
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,204/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$7,434
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,634
−HK$202/mo
Today · 4.125%
HK$7,836
baseline
▲ 0.50% · 4.625%
HK$8,249
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,672/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$8,019
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,269
−HK$253/mo
Today · 4.125%
HK$8,522
baseline
▲ 0.50% · 4.625%
HK$9,041
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,044/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$8,921
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,161
−HK$242/mo
Today · 4.125%
HK$9,403
baseline
▲ 0.50% · 4.625%
HK$9,899
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,806/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$9,356
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,647
−HK$296/mo
Today · 4.125%
HK$9,943
baseline
▲ 0.50% · 4.625%
HK$10,548
+HK$605/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$19,886/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,408
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,687
−HK$284/mo
Today · 4.125%
HK$10,971
baseline
▲ 0.50% · 4.625%
HK$11,549
+HK$578/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$21,942/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,029
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,403
−HK$380/mo
Today · 4.125%
HK$12,783
baseline
▲ 0.50% · 4.625%
HK$13,561
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,566/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,382
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,741
−HK$364/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,849
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,210/mo (50% DSR)
Upfront cash ≈ HK$293K (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).