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$6,670
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,877
−HK$211/mo
Today · 4.125%
HK$7,088
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,176/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$7,420
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,619
−HK$202/mo
Today · 4.125%
HK$7,821
baseline
▲ 0.50% · 4.625%
HK$8,233
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,642/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$8,004
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,253
−HK$253/mo
Today · 4.125%
HK$8,506
baseline
▲ 0.50% · 4.625%
HK$9,023
+HK$517/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,012/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,904
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,143
−HK$242/mo
Today · 4.125%
HK$9,385
baseline
▲ 0.50% · 4.625%
HK$9,880
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,770/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,338
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$295/mo
Today · 4.125%
HK$9,923
baseline
▲ 0.50% · 4.625%
HK$10,527
+HK$604/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,846/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,388
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,667
−HK$282/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,527
+HK$578/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,898/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,006
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,379
−HK$380/mo
Today · 4.125%
HK$12,759
baseline
▲ 0.50% · 4.625%
HK$13,535
+HK$776/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,518/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,356
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,714
−HK$364/mo
Today · 4.125%
HK$14,078
baseline
▲ 0.50% · 4.625%
HK$14,820
+HK$742/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,156/mo (50% DSR)
Upfront cash ≈ HK$293K (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).