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$6,663
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,870
−HK$210/mo
Today · 4.125%
HK$7,080
baseline
▲ 0.50% · 4.625%
HK$7,511
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,160/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$7,412
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,611
−HK$201/mo
Today · 4.125%
HK$7,812
baseline
▲ 0.50% · 4.625%
HK$8,224
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,624/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$7,995
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,244
−HK$252/mo
Today · 4.125%
HK$8,496
baseline
▲ 0.50% · 4.625%
HK$9,013
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,992/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$8,894
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,133
−HK$242/mo
Today · 4.125%
HK$9,375
baseline
▲ 0.50% · 4.625%
HK$9,869
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,750/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$9,328
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,618
−HK$295/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,516
+HK$603/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,826/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,377
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,655
−HK$282/mo
Today · 4.125%
HK$10,937
baseline
▲ 0.50% · 4.625%
HK$11,514
+HK$577/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,874/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,993
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,366
−HK$379/mo
Today · 4.125%
HK$12,745
baseline
▲ 0.50% · 4.625%
HK$13,520
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,490/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,342
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,699
−HK$363/mo
Today · 4.125%
HK$14,062
baseline
▲ 0.50% · 4.625%
HK$14,804
+HK$742/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,124/mo (50% DSR)
Upfront cash ≈ HK$292K (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).