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$6,677
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,885
−HK$211/mo
Today · 4.125%
HK$7,096
baseline
▲ 0.50% · 4.625%
HK$7,528
+HK$432/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,192/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$7,428
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,628
−HK$202/mo
Today · 4.125%
HK$7,830
baseline
▲ 0.50% · 4.625%
HK$8,243
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,660/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$8,013
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,262
−HK$253/mo
Today · 4.125%
HK$8,515
baseline
▲ 0.50% · 4.625%
HK$9,033
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,030/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$8,914
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,153
−HK$243/mo
Today · 4.125%
HK$9,396
baseline
▲ 0.50% · 4.625%
HK$9,891
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,792/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$9,348
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,639
−HK$296/mo
Today · 4.125%
HK$9,935
baseline
▲ 0.50% · 4.625%
HK$10,539
+HK$604/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,870/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$10,400
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,679
−HK$283/mo
Today · 4.125%
HK$10,962
baseline
▲ 0.50% · 4.625%
HK$11,540
+HK$578/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,924/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$12,019
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,393
−HK$380/mo
Today · 4.125%
HK$12,773
baseline
▲ 0.50% · 4.625%
HK$13,550
+HK$777/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,546/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$13,371
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,730
−HK$364/mo
Today · 4.125%
HK$14,094
baseline
▲ 0.50% · 4.625%
HK$14,837
+HK$743/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,188/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).