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$6,716
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,925
−HK$212/mo
Today · 4.125%
HK$7,137
baseline
▲ 0.50% · 4.625%
HK$7,571
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,274/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$7,471
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,672
−HK$203/mo
Today · 4.125%
HK$7,875
baseline
▲ 0.50% · 4.625%
HK$8,290
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,750/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$8,059
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,310
−HK$254/mo
Today · 4.125%
HK$8,564
baseline
▲ 0.50% · 4.625%
HK$9,085
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,128/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$8,965
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,206
−HK$244/mo
Today · 4.125%
HK$9,450
baseline
▲ 0.50% · 4.625%
HK$9,948
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,900/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$9,402
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,695
−HK$297/mo
Today · 4.125%
HK$9,992
baseline
▲ 0.50% · 4.625%
HK$10,600
+HK$608/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$19,984/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,460
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,740
−HK$285/mo
Today · 4.125%
HK$11,025
baseline
▲ 0.50% · 4.625%
HK$11,606
+HK$581/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,050/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,088
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,464
−HK$382/mo
Today · 4.125%
HK$12,846
baseline
▲ 0.50% · 4.625%
HK$13,628
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,692/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$13,448
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,809
−HK$366/mo
Today · 4.125%
HK$14,175
baseline
▲ 0.50% · 4.625%
HK$14,922
+HK$747/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,350/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).