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$6,685
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,893
−HK$211/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,537
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,208/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$7,437
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,637
−HK$202/mo
Today · 4.125%
HK$7,839
baseline
▲ 0.50% · 4.625%
HK$8,252
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,678/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$8,022
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,272
−HK$253/mo
Today · 4.125%
HK$8,525
baseline
▲ 0.50% · 4.625%
HK$9,044
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,050/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$8,925
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,164
−HK$243/mo
Today · 4.125%
HK$9,407
baseline
▲ 0.50% · 4.625%
HK$9,903
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,814/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$9,359
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,650
−HK$296/mo
Today · 4.125%
HK$9,946
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$605/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,892/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,412
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$283/mo
Today · 4.125%
HK$10,974
baseline
▲ 0.50% · 4.625%
HK$11,553
+HK$579/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,948/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,033
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,408
−HK$380/mo
Today · 4.125%
HK$12,788
baseline
▲ 0.50% · 4.625%
HK$13,566
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,576/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$13,387
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,746
−HK$364/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,854
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,220/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).