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$6,720
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,929
−HK$213/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,576
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,284/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$7,476
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,677
−HK$203/mo
Today · 4.125%
HK$7,880
baseline
▲ 0.50% · 4.625%
HK$8,296
+HK$416/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,760/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$8,065
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,315
−HK$255/mo
Today · 4.125%
HK$8,570
baseline
▲ 0.50% · 4.625%
HK$9,092
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,140/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$8,972
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,212
−HK$244/mo
Today · 4.125%
HK$9,456
baseline
▲ 0.50% · 4.625%
HK$9,955
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,912/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$9,409
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,701
−HK$298/mo
Today · 4.125%
HK$9,999
baseline
▲ 0.50% · 4.625%
HK$10,607
+HK$608/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$19,998/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,467
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,748
−HK$284/mo
Today · 4.125%
HK$11,032
baseline
▲ 0.50% · 4.625%
HK$11,614
+HK$582/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,064/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,097
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,473
−HK$382/mo
Today · 4.125%
HK$12,855
baseline
▲ 0.50% · 4.625%
HK$13,638
+HK$783/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,710/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,458
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,818
−HK$367/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$14,932
+HK$747/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,370/mo (50% DSR)
Upfront cash ≈ HK$295K (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).