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$6,672
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,880
−HK$211/mo
Today · 4.125%
HK$7,091
baseline
▲ 0.50% · 4.625%
HK$7,522
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,182/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$7,423
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,622
−HK$202/mo
Today · 4.125%
HK$7,824
baseline
▲ 0.50% · 4.625%
HK$8,236
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,648/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$8,007
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,256
−HK$253/mo
Today · 4.125%
HK$8,509
baseline
▲ 0.50% · 4.625%
HK$9,026
+HK$517/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,018/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$8,907
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$243/mo
Today · 4.125%
HK$9,389
baseline
▲ 0.50% · 4.625%
HK$9,883
+HK$494/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,778/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$9,341
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,632
−HK$295/mo
Today · 4.125%
HK$9,927
baseline
▲ 0.50% · 4.625%
HK$10,531
+HK$604/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,854/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,392
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,671
−HK$282/mo
Today · 4.125%
HK$10,953
baseline
▲ 0.50% · 4.625%
HK$11,531
+HK$578/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,906/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,010
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,384
−HK$379/mo
Today · 4.125%
HK$12,763
baseline
▲ 0.50% · 4.625%
HK$13,540
+HK$777/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,526/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$13,361
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,719
−HK$364/mo
Today · 4.125%
HK$14,083
baseline
▲ 0.50% · 4.625%
HK$14,825
+HK$742/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,166/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).