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$6,668
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,875
−HK$211/mo
Today · 4.125%
HK$7,086
baseline
▲ 0.50% · 4.625%
HK$7,517
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,172/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$7,418
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,617
−HK$201/mo
Today · 4.125%
HK$7,818
baseline
▲ 0.50% · 4.625%
HK$8,231
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,636/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$8,001
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,250
−HK$253/mo
Today · 4.125%
HK$8,503
baseline
▲ 0.50% · 4.625%
HK$9,020
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$17,006/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$8,901
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,140
−HK$242/mo
Today · 4.125%
HK$9,382
baseline
▲ 0.50% · 4.625%
HK$9,877
+HK$495/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,764/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$9,335
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$295/mo
Today · 4.125%
HK$9,920
baseline
▲ 0.50% · 4.625%
HK$10,524
+HK$604/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$19,840/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,385
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,663
−HK$283/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,523
+HK$577/mo
Deposit HK$877K · loan HK$2.05M · min. income ≈ HK$21,892/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,002
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$379/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,531
+HK$777/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,508/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$13,352
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,710
−HK$363/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,815
+HK$742/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,146/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).