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$6,697
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,905
−HK$212/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,550
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,234/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$7,450
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,650
−HK$203/mo
Today · 4.125%
HK$7,853
baseline
▲ 0.50% · 4.625%
HK$8,267
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,706/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$8,036
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,286
−HK$254/mo
Today · 4.125%
HK$8,540
baseline
▲ 0.50% · 4.625%
HK$9,060
+HK$520/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,080/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$8,940
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,180
−HK$243/mo
Today · 4.125%
HK$9,423
baseline
▲ 0.50% · 4.625%
HK$9,920
+HK$497/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,846/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$9,376
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,667
−HK$297/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,570
+HK$606/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,928/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,430
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$284/mo
Today · 4.125%
HK$10,994
baseline
▲ 0.50% · 4.625%
HK$11,573
+HK$579/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,988/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,054
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,429
−HK$381/mo
Today · 4.125%
HK$12,810
baseline
▲ 0.50% · 4.625%
HK$13,590
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,620/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$13,410
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,770
−HK$365/mo
Today · 4.125%
HK$14,135
baseline
▲ 0.50% · 4.625%
HK$14,880
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,270/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).