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$6,711
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,920
−HK$212/mo
Today · 4.125%
HK$7,132
baseline
▲ 0.50% · 4.625%
HK$7,566
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,264/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$7,466
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,666
−HK$203/mo
Today · 4.125%
HK$7,869
baseline
▲ 0.50% · 4.625%
HK$8,284
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,738/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$8,053
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,304
−HK$254/mo
Today · 4.125%
HK$8,558
baseline
▲ 0.50% · 4.625%
HK$9,079
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,116/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$8,959
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,199
−HK$244/mo
Today · 4.125%
HK$9,443
baseline
▲ 0.50% · 4.625%
HK$9,941
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,886/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$9,395
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,688
−HK$296/mo
Today · 4.125%
HK$9,984
baseline
▲ 0.50% · 4.625%
HK$10,592
+HK$608/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,968/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,452
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,732
−HK$285/mo
Today · 4.125%
HK$11,017
baseline
▲ 0.50% · 4.625%
HK$11,598
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,034/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,080
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,455
−HK$382/mo
Today · 4.125%
HK$12,837
baseline
▲ 0.50% · 4.625%
HK$13,618
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,674/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$13,438
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,799
−HK$365/mo
Today · 4.125%
HK$14,164
baseline
▲ 0.50% · 4.625%
HK$14,911
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,328/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).