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$6,678
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,886
−HK$211/mo
Today · 4.125%
HK$7,097
baseline
▲ 0.50% · 4.625%
HK$7,528
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,194/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,429
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,628
−HK$202/mo
Today · 4.125%
HK$7,830
baseline
▲ 0.50% · 4.625%
HK$8,243
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,660/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,013
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,263
−HK$253/mo
Today · 4.125%
HK$8,516
baseline
▲ 0.50% · 4.625%
HK$9,034
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,032/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$8,915
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,154
−HK$243/mo
Today · 4.125%
HK$9,397
baseline
▲ 0.50% · 4.625%
HK$9,892
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,794/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$9,349
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,640
−HK$295/mo
Today · 4.125%
HK$9,935
baseline
▲ 0.50% · 4.625%
HK$10,540
+HK$605/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$19,870/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,401
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,680
−HK$283/mo
Today · 4.125%
HK$10,963
baseline
▲ 0.50% · 4.625%
HK$11,541
+HK$578/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$21,926/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,020
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,394
−HK$380/mo
Today · 4.125%
HK$12,774
baseline
▲ 0.50% · 4.625%
HK$13,551
+HK$777/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,548/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,372
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,731
−HK$364/mo
Today · 4.125%
HK$14,095
baseline
▲ 0.50% · 4.625%
HK$14,838
+HK$743/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,190/mo (50% DSR)
Upfront cash ≈ HK$293K (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).