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$6,661
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,868
−HK$210/mo
Today · 4.125%
HK$7,078
baseline
▲ 0.50% · 4.625%
HK$7,509
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,156/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$7,410
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,609
−HK$201/mo
Today · 4.125%
HK$7,810
baseline
▲ 0.50% · 4.625%
HK$8,222
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,620/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$7,993
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,242
−HK$252/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$9,011
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,988/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$8,892
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,131
−HK$241/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,867
+HK$495/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,744/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$9,325
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,615
−HK$295/mo
Today · 4.125%
HK$9,910
baseline
▲ 0.50% · 4.625%
HK$10,513
+HK$603/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,820/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$10,374
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$283/mo
Today · 4.125%
HK$10,935
baseline
▲ 0.50% · 4.625%
HK$11,511
+HK$576/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,870/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$11,989
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,362
−HK$379/mo
Today · 4.125%
HK$12,741
baseline
▲ 0.50% · 4.625%
HK$13,517
+HK$776/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,482/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$13,338
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,696
−HK$363/mo
Today · 4.125%
HK$14,059
baseline
▲ 0.50% · 4.625%
HK$14,800
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,118/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).