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$6,694
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$211/mo
Today · 4.125%
HK$7,113
baseline
▲ 0.50% · 4.625%
HK$7,546
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,226/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$7,447
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,646
−HK$203/mo
Today · 4.125%
HK$7,849
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,698/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$8,032
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,282
−HK$254/mo
Today · 4.125%
HK$8,536
baseline
▲ 0.50% · 4.625%
HK$9,055
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,072/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$8,936
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,176
−HK$243/mo
Today · 4.125%
HK$9,419
baseline
▲ 0.50% · 4.625%
HK$9,915
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,838/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$9,371
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,663
−HK$296/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,565
+HK$606/mo
Deposit HK$881K · loan HK$2.05M · min. income ≈ HK$19,918/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$10,425
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,705
−HK$283/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$580/mo
Deposit HK$881K · loan HK$2.05M · min. income ≈ HK$21,976/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$12,049
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,423
−HK$381/mo
Today · 4.125%
HK$12,804
baseline
▲ 0.50% · 4.625%
HK$13,583
+HK$779/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,608/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$13,404
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,763
−HK$365/mo
Today · 4.125%
HK$14,128
baseline
▲ 0.50% · 4.625%
HK$14,873
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,256/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).