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$6,706
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,915
−HK$212/mo
Today · 4.125%
HK$7,127
baseline
▲ 0.50% · 4.625%
HK$7,560
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,254/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$7,461
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,661
−HK$203/mo
Today · 4.125%
HK$7,864
baseline
▲ 0.50% · 4.625%
HK$8,278
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,728/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$8,047
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,298
−HK$254/mo
Today · 4.125%
HK$8,552
baseline
▲ 0.50% · 4.625%
HK$9,072
+HK$520/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,104/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,953
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,193
−HK$243/mo
Today · 4.125%
HK$9,436
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$498/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,872/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,389
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$296/mo
Today · 4.125%
HK$9,977
baseline
▲ 0.50% · 4.625%
HK$10,584
+HK$607/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$19,954/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,445
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,725
−HK$284/mo
Today · 4.125%
HK$11,009
baseline
▲ 0.50% · 4.625%
HK$11,589
+HK$580/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$22,018/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,071
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$381/mo
Today · 4.125%
HK$12,828
baseline
▲ 0.50% · 4.625%
HK$13,609
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,656/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$13,429
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,789
−HK$365/mo
Today · 4.125%
HK$14,154
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,308/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).