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$6,686
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,894
−HK$211/mo
Today · 4.125%
HK$7,105
baseline
▲ 0.50% · 4.625%
HK$7,537
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,210/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$7,438
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,637
−HK$203/mo
Today · 4.125%
HK$7,840
baseline
▲ 0.50% · 4.625%
HK$8,253
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,680/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$8,023
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,272
−HK$254/mo
Today · 4.125%
HK$8,526
baseline
▲ 0.50% · 4.625%
HK$9,045
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,052/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$8,925
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,165
−HK$243/mo
Today · 4.125%
HK$9,408
baseline
▲ 0.50% · 4.625%
HK$9,904
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,816/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$9,360
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,651
−HK$296/mo
Today · 4.125%
HK$9,947
baseline
▲ 0.50% · 4.625%
HK$10,552
+HK$605/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,894/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,413
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,692
−HK$284/mo
Today · 4.125%
HK$10,976
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$578/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,952/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,034
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,409
−HK$380/mo
Today · 4.125%
HK$12,789
baseline
▲ 0.50% · 4.625%
HK$13,567
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,578/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$13,388
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,747
−HK$364/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,855
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,222/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).