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$6,687
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,895
−HK$212/mo
Today · 4.125%
HK$7,107
baseline
▲ 0.50% · 4.625%
HK$7,539
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,214/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$7,440
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,639
−HK$202/mo
Today · 4.125%
HK$7,841
baseline
▲ 0.50% · 4.625%
HK$8,255
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,682/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$8,025
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,274
−HK$254/mo
Today · 4.125%
HK$8,528
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,056/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$8,927
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,167
−HK$243/mo
Today · 4.125%
HK$9,410
baseline
▲ 0.50% · 4.625%
HK$9,906
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,820/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$9,362
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,653
−HK$296/mo
Today · 4.125%
HK$9,949
baseline
▲ 0.50% · 4.625%
HK$10,555
+HK$606/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,898/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$10,415
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$283/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,557
+HK$579/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,956/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$12,037
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,412
−HK$380/mo
Today · 4.125%
HK$12,792
baseline
▲ 0.50% · 4.625%
HK$13,570
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,584/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$13,391
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,750
−HK$365/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,859
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,230/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).