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$6,636
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,843
−HK$209/mo
Today · 4.125%
HK$7,052
baseline
▲ 0.50% · 4.625%
HK$7,481
+HK$429/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,104/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$7,383
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,581
−HK$201/mo
Today · 4.125%
HK$7,782
baseline
▲ 0.50% · 4.625%
HK$8,192
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,564/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$7,963
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,211
−HK$252/mo
Today · 4.125%
HK$8,463
baseline
▲ 0.50% · 4.625%
HK$8,978
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,926/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,859
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,097
−HK$241/mo
Today · 4.125%
HK$9,338
baseline
▲ 0.50% · 4.625%
HK$9,830
+HK$492/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,676/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,291
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,580
−HK$293/mo
Today · 4.125%
HK$9,873
baseline
▲ 0.50% · 4.625%
HK$10,474
+HK$601/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,746/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,336
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,613
−HK$281/mo
Today · 4.125%
HK$10,894
baseline
▲ 0.50% · 4.625%
HK$11,468
+HK$574/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,788/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,945
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$377/mo
Today · 4.125%
HK$12,694
baseline
▲ 0.50% · 4.625%
HK$13,467
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,388/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,289
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,645
−HK$362/mo
Today · 4.125%
HK$14,007
baseline
▲ 0.50% · 4.625%
HK$14,745
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,014/mo (50% DSR)
Upfront cash ≈ HK$291K (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).