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$6,695
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,903
−HK$212/mo
Today · 4.125%
HK$7,115
baseline
▲ 0.50% · 4.625%
HK$7,548
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,230/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$7,448
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,648
−HK$202/mo
Today · 4.125%
HK$7,850
baseline
▲ 0.50% · 4.625%
HK$8,264
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,700/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$8,034
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,284
−HK$254/mo
Today · 4.125%
HK$8,538
baseline
▲ 0.50% · 4.625%
HK$9,057
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,076/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$8,937
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,177
−HK$243/mo
Today · 4.125%
HK$9,420
baseline
▲ 0.50% · 4.625%
HK$9,917
+HK$497/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,840/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$9,373
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,664
−HK$296/mo
Today · 4.125%
HK$9,960
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$607/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,920/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,427
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$283/mo
Today · 4.125%
HK$10,990
baseline
▲ 0.50% · 4.625%
HK$11,570
+HK$580/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,980/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,051
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,425
−HK$381/mo
Today · 4.125%
HK$12,806
baseline
▲ 0.50% · 4.625%
HK$13,586
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,612/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$13,406
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,766
−HK$365/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,875
+HK$744/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,262/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).