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$6,660
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,867
−HK$210/mo
Today · 4.125%
HK$7,077
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,154/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$7,409
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,607
−HK$202/mo
Today · 4.125%
HK$7,809
baseline
▲ 0.50% · 4.625%
HK$8,221
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,618/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$7,991
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,240
−HK$253/mo
Today · 4.125%
HK$8,493
baseline
▲ 0.50% · 4.625%
HK$9,009
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,986/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$8,890
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,129
−HK$242/mo
Today · 4.125%
HK$9,371
baseline
▲ 0.50% · 4.625%
HK$9,865
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,742/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$9,323
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$295/mo
Today · 4.125%
HK$9,908
baseline
▲ 0.50% · 4.625%
HK$10,511
+HK$603/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,816/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,372
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,650
−HK$282/mo
Today · 4.125%
HK$10,932
baseline
▲ 0.50% · 4.625%
HK$11,509
+HK$577/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,864/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,987
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,360
−HK$379/mo
Today · 4.125%
HK$12,739
baseline
▲ 0.50% · 4.625%
HK$13,514
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,478/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$13,336
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,693
−HK$363/mo
Today · 4.125%
HK$14,056
baseline
▲ 0.50% · 4.625%
HK$14,797
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,112/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).