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$6,648
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,855
−HK$210/mo
Today · 4.125%
HK$7,065
baseline
▲ 0.50% · 4.625%
HK$7,495
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,130/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$7,396
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,595
−HK$201/mo
Today · 4.125%
HK$7,796
baseline
▲ 0.50% · 4.625%
HK$8,207
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,592/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$7,978
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,226
−HK$252/mo
Today · 4.125%
HK$8,478
baseline
▲ 0.50% · 4.625%
HK$8,994
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,956/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$8,876
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,114
−HK$241/mo
Today · 4.125%
HK$9,355
baseline
▲ 0.50% · 4.625%
HK$9,848
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,710/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$9,308
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,597
−HK$295/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,493
+HK$601/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,784/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$10,355
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,633
−HK$281/mo
Today · 4.125%
HK$10,914
baseline
▲ 0.50% · 4.625%
HK$11,490
+HK$576/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,828/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$11,967
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,340
−HK$378/mo
Today · 4.125%
HK$12,718
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$774/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$25,436/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$13,313
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,671
−HK$362/mo
Today · 4.125%
HK$14,033
baseline
▲ 0.50% · 4.625%
HK$14,772
+HK$739/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$28,066/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).