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$6,673
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,881
−HK$211/mo
Today · 4.125%
HK$7,092
baseline
▲ 0.50% · 4.625%
HK$7,523
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,184/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$7,424
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,623
−HK$202/mo
Today · 4.125%
HK$7,825
baseline
▲ 0.50% · 4.625%
HK$8,238
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,650/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$8,008
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,257
−HK$253/mo
Today · 4.125%
HK$8,510
baseline
▲ 0.50% · 4.625%
HK$9,028
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,020/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$8,909
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,148
−HK$242/mo
Today · 4.125%
HK$9,390
baseline
▲ 0.50% · 4.625%
HK$9,885
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,780/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$9,343
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,633
−HK$295/mo
Today · 4.125%
HK$9,928
baseline
▲ 0.50% · 4.625%
HK$10,533
+HK$605/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,856/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$10,394
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,672
−HK$283/mo
Today · 4.125%
HK$10,955
baseline
▲ 0.50% · 4.625%
HK$11,533
+HK$578/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,910/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$12,012
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,386
−HK$379/mo
Today · 4.125%
HK$12,765
baseline
▲ 0.50% · 4.625%
HK$13,542
+HK$777/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,530/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$13,363
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,722
−HK$363/mo
Today · 4.125%
HK$14,085
baseline
▲ 0.50% · 4.625%
HK$14,828
+HK$743/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,170/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).