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$6,709
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$212/mo
Today · 4.125%
HK$7,130
baseline
▲ 0.50% · 4.625%
HK$7,563
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,260/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$7,464
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,664
−HK$203/mo
Today · 4.125%
HK$7,867
baseline
▲ 0.50% · 4.625%
HK$8,281
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,734/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$8,051
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,301
−HK$255/mo
Today · 4.125%
HK$8,556
baseline
▲ 0.50% · 4.625%
HK$9,076
+HK$520/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,112/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$8,956
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,197
−HK$243/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,880/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$9,392
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,685
−HK$296/mo
Today · 4.125%
HK$9,981
baseline
▲ 0.50% · 4.625%
HK$10,589
+HK$608/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,962/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$10,449
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,729
−HK$285/mo
Today · 4.125%
HK$11,014
baseline
▲ 0.50% · 4.625%
HK$11,594
+HK$580/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,028/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$12,076
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,452
−HK$381/mo
Today · 4.125%
HK$12,833
baseline
▲ 0.50% · 4.625%
HK$13,614
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,666/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$13,434
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,795
−HK$365/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$14,907
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,320/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).