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$6,674
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,882
−HK$211/mo
Today · 4.125%
HK$7,093
baseline
▲ 0.50% · 4.625%
HK$7,524
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,186/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$7,425
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,624
−HK$202/mo
Today · 4.125%
HK$7,826
baseline
▲ 0.50% · 4.625%
HK$8,239
+HK$413/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,652/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$8,009
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,258
−HK$253/mo
Today · 4.125%
HK$8,511
baseline
▲ 0.50% · 4.625%
HK$9,029
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,022/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$8,910
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,149
−HK$242/mo
Today · 4.125%
HK$9,391
baseline
▲ 0.50% · 4.625%
HK$9,886
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,782/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$9,344
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,635
−HK$295/mo
Today · 4.125%
HK$9,930
baseline
▲ 0.50% · 4.625%
HK$10,534
+HK$604/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,860/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$10,395
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,674
−HK$283/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,534
+HK$577/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,914/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$12,014
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,387
−HK$380/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,544
+HK$777/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,534/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$13,365
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$364/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,830
+HK$743/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,174/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).