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$6,638
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,844
−HK$210/mo
Today · 4.125%
HK$7,054
baseline
▲ 0.50% · 4.625%
HK$7,484
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,108/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$7,385
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,583
−HK$201/mo
Today · 4.125%
HK$7,784
baseline
▲ 0.50% · 4.625%
HK$8,194
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,568/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$7,966
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,213
−HK$252/mo
Today · 4.125%
HK$8,465
baseline
▲ 0.50% · 4.625%
HK$8,980
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,930/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,862
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$241/mo
Today · 4.125%
HK$9,340
baseline
▲ 0.50% · 4.625%
HK$9,833
+HK$493/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,680/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,293
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,582
−HK$294/mo
Today · 4.125%
HK$9,876
baseline
▲ 0.50% · 4.625%
HK$10,477
+HK$601/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,752/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,339
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,616
−HK$281/mo
Today · 4.125%
HK$10,897
baseline
▲ 0.50% · 4.625%
HK$11,472
+HK$575/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,794/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,948
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,320
−HK$378/mo
Today · 4.125%
HK$12,698
baseline
▲ 0.50% · 4.625%
HK$13,470
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,396/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,292
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,649
−HK$362/mo
Today · 4.125%
HK$14,011
baseline
▲ 0.50% · 4.625%
HK$14,749
+HK$738/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,022/mo (50% DSR)
Upfront cash ≈ HK$291K (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).