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$6,718
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,927
−HK$213/mo
Today · 4.125%
HK$7,140
baseline
▲ 0.50% · 4.625%
HK$7,574
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,280/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$7,474
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$203/mo
Today · 4.125%
HK$7,878
baseline
▲ 0.50% · 4.625%
HK$8,293
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,756/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$8,062
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,313
−HK$255/mo
Today · 4.125%
HK$8,568
baseline
▲ 0.50% · 4.625%
HK$9,089
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,136/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$8,969
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,210
−HK$244/mo
Today · 4.125%
HK$9,454
baseline
▲ 0.50% · 4.625%
HK$9,952
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,908/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$9,406
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,698
−HK$298/mo
Today · 4.125%
HK$9,996
baseline
▲ 0.50% · 4.625%
HK$10,604
+HK$608/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$19,992/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,464
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,745
−HK$284/mo
Today · 4.125%
HK$11,029
baseline
▲ 0.50% · 4.625%
HK$11,611
+HK$582/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,058/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,093
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,469
−HK$383/mo
Today · 4.125%
HK$12,852
baseline
▲ 0.50% · 4.625%
HK$13,634
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,704/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,454
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,814
−HK$367/mo
Today · 4.125%
HK$14,181
baseline
▲ 0.50% · 4.625%
HK$14,928
+HK$747/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,362/mo (50% DSR)
Upfront cash ≈ HK$295K (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).