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$6,725
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,934
−HK$213/mo
Today · 4.125%
HK$7,147
baseline
▲ 0.50% · 4.625%
HK$7,582
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,294/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$7,482
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,682
−HK$204/mo
Today · 4.125%
HK$7,886
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$416/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,772/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$8,070
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,321
−HK$255/mo
Today · 4.125%
HK$8,576
baseline
▲ 0.50% · 4.625%
HK$9,098
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,152/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$8,978
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,219
−HK$244/mo
Today · 4.125%
HK$9,463
baseline
▲ 0.50% · 4.625%
HK$9,962
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,926/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$9,415
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,708
−HK$298/mo
Today · 4.125%
HK$10,006
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$609/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$20,012/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,474
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,755
−HK$285/mo
Today · 4.125%
HK$11,040
baseline
▲ 0.50% · 4.625%
HK$11,622
+HK$582/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$22,080/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,105
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$383/mo
Today · 4.125%
HK$12,865
baseline
▲ 0.50% · 4.625%
HK$13,647
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,730/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$13,467
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,828
−HK$367/mo
Today · 4.125%
HK$14,195
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,390/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).