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$6,652
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,859
−HK$210/mo
Today · 4.125%
HK$7,069
baseline
▲ 0.50% · 4.625%
HK$7,499
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,138/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$7,400
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,599
−HK$201/mo
Today · 4.125%
HK$7,800
baseline
▲ 0.50% · 4.625%
HK$8,211
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,600/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$7,982
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,231
−HK$252/mo
Today · 4.125%
HK$8,483
baseline
▲ 0.50% · 4.625%
HK$8,999
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,966/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$8,880
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,119
−HK$241/mo
Today · 4.125%
HK$9,360
baseline
▲ 0.50% · 4.625%
HK$9,854
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,720/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$9,313
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$294/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,499
+HK$602/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,794/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,360
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,638
−HK$282/mo
Today · 4.125%
HK$10,920
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$576/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,840/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,974
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,346
−HK$379/mo
Today · 4.125%
HK$12,725
baseline
▲ 0.50% · 4.625%
HK$13,499
+HK$774/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,450/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$13,321
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,678
−HK$362/mo
Today · 4.125%
HK$14,040
baseline
▲ 0.50% · 4.625%
HK$14,780
+HK$740/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,080/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).