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$6,671
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,878
−HK$211/mo
Today · 4.125%
HK$7,089
baseline
▲ 0.50% · 4.625%
HK$7,521
+HK$432/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,178/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$7,421
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,620
−HK$202/mo
Today · 4.125%
HK$7,822
baseline
▲ 0.50% · 4.625%
HK$8,235
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,644/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$8,005
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,254
−HK$253/mo
Today · 4.125%
HK$8,507
baseline
▲ 0.50% · 4.625%
HK$9,025
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,014/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$8,906
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,144
−HK$243/mo
Today · 4.125%
HK$9,387
baseline
▲ 0.50% · 4.625%
HK$9,882
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,774/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$9,339
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,630
−HK$295/mo
Today · 4.125%
HK$9,925
baseline
▲ 0.50% · 4.625%
HK$10,529
+HK$604/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,850/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,390
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,669
−HK$282/mo
Today · 4.125%
HK$10,951
baseline
▲ 0.50% · 4.625%
HK$11,529
+HK$578/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,902/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,008
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,381
−HK$380/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,537
+HK$776/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,522/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$13,358
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,717
−HK$363/mo
Today · 4.125%
HK$14,080
baseline
▲ 0.50% · 4.625%
HK$14,822
+HK$742/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,160/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).