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$6,676
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,884
−HK$211/mo
Today · 4.125%
HK$7,095
baseline
▲ 0.50% · 4.625%
HK$7,527
+HK$432/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,190/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$7,427
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,627
−HK$202/mo
Today · 4.125%
HK$7,829
baseline
▲ 0.50% · 4.625%
HK$8,241
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,658/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$8,012
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,261
−HK$253/mo
Today · 4.125%
HK$8,514
baseline
▲ 0.50% · 4.625%
HK$9,032
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,028/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$8,913
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,152
−HK$243/mo
Today · 4.125%
HK$9,395
baseline
▲ 0.50% · 4.625%
HK$9,890
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,790/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$9,347
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,638
−HK$295/mo
Today · 4.125%
HK$9,933
baseline
▲ 0.50% · 4.625%
HK$10,538
+HK$605/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,866/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$10,398
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,677
−HK$283/mo
Today · 4.125%
HK$10,960
baseline
▲ 0.50% · 4.625%
HK$11,538
+HK$578/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,920/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$12,018
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,391
−HK$380/mo
Today · 4.125%
HK$12,771
baseline
▲ 0.50% · 4.625%
HK$13,548
+HK$777/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,542/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$13,369
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,728
−HK$364/mo
Today · 4.125%
HK$14,092
baseline
▲ 0.50% · 4.625%
HK$14,835
+HK$743/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,184/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).