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$6,647
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,854
−HK$210/mo
Today · 4.125%
HK$7,064
baseline
▲ 0.50% · 4.625%
HK$7,494
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,128/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$7,395
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,593
−HK$201/mo
Today · 4.125%
HK$7,794
baseline
▲ 0.50% · 4.625%
HK$8,205
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,588/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$7,976
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,224
−HK$252/mo
Today · 4.125%
HK$8,476
baseline
▲ 0.50% · 4.625%
HK$8,992
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,952/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$8,874
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$242/mo
Today · 4.125%
HK$9,353
baseline
▲ 0.50% · 4.625%
HK$9,846
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,706/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$9,306
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,595
−HK$294/mo
Today · 4.125%
HK$9,889
baseline
▲ 0.50% · 4.625%
HK$10,491
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,778/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,352
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,630
−HK$282/mo
Today · 4.125%
HK$10,912
baseline
▲ 0.50% · 4.625%
HK$11,487
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,824/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,964
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,337
−HK$378/mo
Today · 4.125%
HK$12,715
baseline
▲ 0.50% · 4.625%
HK$13,488
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,430/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,310
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,667
−HK$362/mo
Today · 4.125%
HK$14,029
baseline
▲ 0.50% · 4.625%
HK$14,769
+HK$740/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,058/mo (50% DSR)
Upfront cash ≈ HK$292K (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).