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$6,708
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,917
−HK$212/mo
Today · 4.125%
HK$7,129
baseline
▲ 0.50% · 4.625%
HK$7,562
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,258/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$7,463
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$203/mo
Today · 4.125%
HK$7,866
baseline
▲ 0.50% · 4.625%
HK$8,280
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,732/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$8,050
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,300
−HK$254/mo
Today · 4.125%
HK$8,554
baseline
▲ 0.50% · 4.625%
HK$9,075
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,108/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$8,955
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,195
−HK$244/mo
Today · 4.125%
HK$9,439
baseline
▲ 0.50% · 4.625%
HK$9,936
+HK$497/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,878/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$9,391
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,683
−HK$297/mo
Today · 4.125%
HK$9,980
baseline
▲ 0.50% · 4.625%
HK$10,587
+HK$607/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,960/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,448
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,728
−HK$284/mo
Today · 4.125%
HK$11,012
baseline
▲ 0.50% · 4.625%
HK$11,592
+HK$580/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,024/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,074
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,450
−HK$381/mo
Today · 4.125%
HK$12,831
baseline
▲ 0.50% · 4.625%
HK$13,612
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,662/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$13,433
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,793
−HK$365/mo
Today · 4.125%
HK$14,158
baseline
▲ 0.50% · 4.625%
HK$14,905
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,316/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).