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$6,702
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,910
−HK$212/mo
Today · 4.125%
HK$7,122
baseline
▲ 0.50% · 4.625%
HK$7,555
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,244/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$7,456
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,655
−HK$203/mo
Today · 4.125%
HK$7,858
baseline
▲ 0.50% · 4.625%
HK$8,273
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,716/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$8,042
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,292
−HK$254/mo
Today · 4.125%
HK$8,546
baseline
▲ 0.50% · 4.625%
HK$9,066
+HK$520/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,092/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$8,947
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,187
−HK$243/mo
Today · 4.125%
HK$9,430
baseline
▲ 0.50% · 4.625%
HK$9,927
+HK$497/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,860/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$9,382
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,674
−HK$297/mo
Today · 4.125%
HK$9,971
baseline
▲ 0.50% · 4.625%
HK$10,577
+HK$606/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$19,942/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,438
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,718
−HK$284/mo
Today · 4.125%
HK$11,002
baseline
▲ 0.50% · 4.625%
HK$11,582
+HK$580/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$22,004/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,063
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,438
−HK$381/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$780/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,638/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,420
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,780
−HK$365/mo
Today · 4.125%
HK$14,145
baseline
▲ 0.50% · 4.625%
HK$14,891
+HK$746/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,290/mo (50% DSR)
Upfront cash ≈ HK$294K (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).