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$6,654
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,861
−HK$211/mo
Today · 4.125%
HK$7,072
baseline
▲ 0.50% · 4.625%
HK$7,502
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,144/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$7,403
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,601
−HK$202/mo
Today · 4.125%
HK$7,803
baseline
▲ 0.50% · 4.625%
HK$8,214
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,606/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$7,985
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,233
−HK$253/mo
Today · 4.125%
HK$8,486
baseline
▲ 0.50% · 4.625%
HK$9,002
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,972/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$8,883
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,122
−HK$241/mo
Today · 4.125%
HK$9,363
baseline
▲ 0.50% · 4.625%
HK$9,857
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,726/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$9,316
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$294/mo
Today · 4.125%
HK$9,900
baseline
▲ 0.50% · 4.625%
HK$10,503
+HK$603/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,800/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,364
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,642
−HK$282/mo
Today · 4.125%
HK$10,924
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$576/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,848/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,978
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,350
−HK$379/mo
Today · 4.125%
HK$12,729
baseline
▲ 0.50% · 4.625%
HK$13,503
+HK$774/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,458/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,325
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,682
−HK$363/mo
Today · 4.125%
HK$14,045
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$740/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,090/mo (50% DSR)
Upfront cash ≈ HK$292K (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).