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$6,657
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,865
−HK$210/mo
Today · 4.125%
HK$7,075
baseline
▲ 0.50% · 4.625%
HK$7,505
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,150/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$7,406
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,605
−HK$202/mo
Today · 4.125%
HK$7,807
baseline
▲ 0.50% · 4.625%
HK$8,218
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,614/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$7,989
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,237
−HK$253/mo
Today · 4.125%
HK$8,490
baseline
▲ 0.50% · 4.625%
HK$9,007
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,980/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$8,888
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,126
−HK$242/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,862
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,736/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$9,320
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,610
−HK$295/mo
Today · 4.125%
HK$9,905
baseline
▲ 0.50% · 4.625%
HK$10,508
+HK$603/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,810/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$10,369
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,647
−HK$282/mo
Today · 4.125%
HK$10,929
baseline
▲ 0.50% · 4.625%
HK$11,505
+HK$576/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,858/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$11,983
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,356
−HK$379/mo
Today · 4.125%
HK$12,735
baseline
▲ 0.50% · 4.625%
HK$13,510
+HK$775/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,470/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$13,331
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,689
−HK$363/mo
Today · 4.125%
HK$14,052
baseline
▲ 0.50% · 4.625%
HK$14,792
+HK$740/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,104/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).