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$6,703
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,911
−HK$212/mo
Today · 4.125%
HK$7,123
baseline
▲ 0.50% · 4.625%
HK$7,556
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,246/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$7,456
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,656
−HK$203/mo
Today · 4.125%
HK$7,859
baseline
▲ 0.50% · 4.625%
HK$8,274
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,718/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$8,043
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,293
−HK$254/mo
Today · 4.125%
HK$8,547
baseline
▲ 0.50% · 4.625%
HK$9,067
+HK$520/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$17,094/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$8,948
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$243/mo
Today · 4.125%
HK$9,431
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$497/mo
Deposit HK$1.18M · loan HK$1.76M · min. income ≈ HK$18,862/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$9,384
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,675
−HK$297/mo
Today · 4.125%
HK$9,972
baseline
▲ 0.50% · 4.625%
HK$10,579
+HK$607/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$19,944/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,439
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,719
−HK$284/mo
Today · 4.125%
HK$11,003
baseline
▲ 0.50% · 4.625%
HK$11,583
+HK$580/mo
Deposit HK$882K · loan HK$2.06M · min. income ≈ HK$22,006/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,065
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,440
−HK$381/mo
Today · 4.125%
HK$12,821
baseline
▲ 0.50% · 4.625%
HK$13,601
+HK$780/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,642/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$13,422
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,782
−HK$365/mo
Today · 4.125%
HK$14,147
baseline
▲ 0.50% · 4.625%
HK$14,893
+HK$746/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,294/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).