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$6,712
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,921
−HK$212/mo
Today · 4.125%
HK$7,133
baseline
▲ 0.50% · 4.625%
HK$7,567
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,266/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$7,467
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,667
−HK$204/mo
Today · 4.125%
HK$7,871
baseline
▲ 0.50% · 4.625%
HK$8,285
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,742/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$8,055
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,305
−HK$255/mo
Today · 4.125%
HK$8,560
baseline
▲ 0.50% · 4.625%
HK$9,080
+HK$520/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,120/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$8,961
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,201
−HK$244/mo
Today · 4.125%
HK$9,445
baseline
▲ 0.50% · 4.625%
HK$9,943
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,890/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$9,397
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,689
−HK$297/mo
Today · 4.125%
HK$9,986
baseline
▲ 0.50% · 4.625%
HK$10,594
+HK$608/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,972/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$10,454
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,734
−HK$285/mo
Today · 4.125%
HK$11,019
baseline
▲ 0.50% · 4.625%
HK$11,600
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,038/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$12,082
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,458
−HK$381/mo
Today · 4.125%
HK$12,839
baseline
▲ 0.50% · 4.625%
HK$13,621
+HK$782/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,678/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$13,441
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,801
−HK$366/mo
Today · 4.125%
HK$14,167
baseline
▲ 0.50% · 4.625%
HK$14,914
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,334/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).