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$6,651
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,858
−HK$210/mo
Today · 4.125%
HK$7,068
baseline
▲ 0.50% · 4.625%
HK$7,498
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,136/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$7,399
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,598
−HK$201/mo
Today · 4.125%
HK$7,799
baseline
▲ 0.50% · 4.625%
HK$8,210
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,598/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$7,981
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,229
−HK$253/mo
Today · 4.125%
HK$8,482
baseline
▲ 0.50% · 4.625%
HK$8,998
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,964/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$8,879
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,117
−HK$242/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,852
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,718/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$9,311
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,601
−HK$294/mo
Today · 4.125%
HK$9,895
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$602/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,790/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$10,359
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,637
−HK$281/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,494
+HK$576/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,836/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$11,972
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$378/mo
Today · 4.125%
HK$12,722
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$774/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,444/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$13,318
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,676
−HK$362/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,778
+HK$740/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,076/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).