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$6,904
−HK$211/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$403/mo
▼ 0.25% · 3.875%
HK$7,648
−HK$203/mo
Today · 4.125%
HK$7,851
baseline
▲ 0.50% · 4.625%
HK$8,265
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,702/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$9,058
+HK$520/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$8,938
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,178
−HK$243/mo
Today · 4.125%
HK$9,421
baseline
▲ 0.50% · 4.625%
HK$9,918
+HK$497/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,842/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$588/mo
▼ 0.25% · 3.875%
HK$9,665
−HK$296/mo
Today · 4.125%
HK$9,961
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$606/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,922/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$10,428
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$284/mo
Today · 4.125%
HK$10,991
baseline
▲ 0.50% · 4.625%
HK$11,571
+HK$580/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,982/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$12,052
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$381/mo
Today · 4.125%
HK$12,807
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,614/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$13,407
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,767
−HK$365/mo
Today · 4.125%
HK$14,132
baseline
▲ 0.50% · 4.625%
HK$14,876
+HK$744/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,264/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).